Whitaker Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Whitaker Bank 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Whitaker Bank Po Box 55439 Lexington, KY 40555 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 905 |
| Total Mortgage Loan Application Amount | $133,985,000 |
| Average Mortgage Loan Application Amount | $123,250 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $105,250 |
| Highest Applicant Income | $2,143,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Whitaker Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Whitaker Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Whitaker Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Whitaker Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Whitaker Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Whitaker Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Madison County Kentucky | 172 | $ 38,210,000 | $ 222,000 | $ 100,000 |
| Mercer County Kentucky | 94 | $ 12,000,000 | $ 127,000 | $ 112,000 |
| Garrard County Kentucky | 82 | $ 9,100,000 | $ 110,000 | $ 107,000 |
| Powell County Kentucky | 56 | $ 5,500,000 | $ 98,000 | $ 78,000 |
| Fayette County Kentucky | 54 | $ 13,080,000 | $ 242,000 | $ 247,000 |
| Boyle County Kentucky | 50 | $ 8,610,000 | $ 172,000 | $ 117,000 |
| Montgomery County Kentucky | 49 | $ 4,895,000 | $ 99,000 | $ 98,000 |
| Scott County Kentucky | 39 | $ 8,315,000 | $ 213,000 | $ 87,000 |
| Wolfe County Kentucky | 33 | $ 2,315,000 | $ 70,000 | $ 80,000 |
| Letcher County Kentucky | 31 | $ 2,005,000 | $ 64,000 | $ 52,000 |
| Rockcastle County Kentucky | 26 | $ 2,290,000 | $ 88,000 | $ 114,000 |
| Rowan County Kentucky | 25 | $ 2,685,000 | $ 107,000 | $ 128,000 |
| Lincoln County Kentucky | 20 | $ 2,610,000 | $ 130,000 | $ 108,000 |
| Perry County Kentucky | 19 | $ 2,255,000 | $ 118,000 | $ 195,000 |
| Franklin County Kentucky | 16 | $ 1,310,000 | $ 81,000 | $ 106,000 |
| Estill County Kentucky | 13 | $ 1,075,000 | $ 82,000 | $ 74,000 |
| Whitley County Kentucky | 13 | $ 655,000 | $ 50,000 | $ 56,000 |
| Harrison County Kentucky | 12 | $ 1,020,000 | $ 85,000 | $ 71,000 |
| Clark County Kentucky | 11 | $ 2,115,000 | $ 192,000 | $ 148,000 |
| Jackson County Kentucky | 7 | $ 515,000 | $ 73,000 | $ 66,000 |
| Jessamine County Kentucky | 7 | $ 2,935,000 | $ 419,000 | $ 437,000 |
| Laurel County Kentucky | 7 | $ 755,000 | $ 107,000 | $ 61,000 |
| Lee County Kentucky | 5 | $ 435,000 | $ 87,000 | $ 55,000 |
| Bath County Kentucky | 4 | $ 370,000 | $ 92,000 | $ 95,000 |
| Bourbon County Kentucky | 4 | $ 130,000 | $ 32,000 | $ 39,000 |
| Grant County Kentucky | 4 | $ 420,000 | $ 105,000 | $ 90,000 |
| Jefferson County Kentucky | 4 | $ 570,000 | $ 142,000 | $ 165,000 |
| Washington County Kentucky | 4 | $ 410,000 | $ 102,000 | $ 69,000 |
| Breathitt County Kentucky | 3 | $ 195,000 | $ 65,000 | $ 81,000 |
| Fleming County Kentucky | 3 | $ 155,000 | $ 51,000 | $ 56,000 |
| Knott County Kentucky | 3 | $ 555,000 | $ 185,000 | $ 104,000 |
| Menifee County Kentucky | 3 | $ 295,000 | $ 98,000 | $ 118,000 |
| Owen County Kentucky | 3 | $ 335,000 | $ 111,000 | $ 81,000 |
| Woodford County Kentucky | 3 | $ 235,000 | $ 78,000 | $ 134,000 |
| Anderson County Kentucky | 2 | $ 450,000 | $ 225,000 | $ 117,000 |
| Daviess County Kentucky | 2 | $ 110,000 | $ 55,000 | $ 98,000 |
| Floyd County Kentucky | 2 | $ 420,000 | $ 210,000 | $ 33,000 |
| Knox County Kentucky | 2 | $ 60,000 | $ 30,000 | $ 64,000 |
| Nelson County Kentucky | 2 | $ 460,000 | $ 230,000 | $ 212,000 |
| Collier County Florida | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Monroe County Florida | 1 | $ 705,000 | $ 705,000 | $ 251,000 |
| Boyd County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 192,000 |
| Clay County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Hopkins County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 1,585,000 |
| Kenton County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 369,000 |
| Lewis County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Mason County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 119,000 |
| Morgan County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 17,000 |
| Nicholas County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Pulaski County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Russell County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 158,000 |
| Shelby County Kentucky | 1 | $ 455,000 | $ 455,000 | $ 45,000 |
| Beaufort County South Carolina | 1 | $ 345,000 | $ 345,000 | $ 198,000 |
| Grainger County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Pickett County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 222,000 |
Mortgage Loan Application Detail Totals for Whitaker Bank in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 329 | $71,005,000 | $215,000 | $4,005,000 | $139,000 | $2,143,000 |
| Refinancing | 321 | $45,355,000 | $141,000 | $1,335,000 | $106,000 | $1,444,000 |
| Home Improvement | 146 | $10,010,000 | $68,000 | $305,000 | $99,000 | $739,000 |
| Other Purpose | 109 | $7,615,000 | $69,000 | $355,000 | $77,000 | $237,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 790 | $97,070,000 | $122,000 | $1,335,000 | $107,000 | $1,616,000 |
| Not applicable | 70 | $27,500,000 | $392,000 | $4,005,000 | $0 | $0 |
| Not Provided | 27 | $6,585,000 | $243,000 | $1,065,000 | $249,000 | $2,143,000 |
| Black or African American | 10 | $970,000 | $97,000 | $175,000 | $87,000 | $180,000 |
| Asian | 3 | $905,000 | $301,000 | $655,000 | $186,000 | $399,000 |
| Hispanic | 2 | $270,000 | $135,000 | $225,000 | $296,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 904 | $133,810,000 | $148,000 | $4,005,000 | $112,000 | $2,143,000 |
| FHA-insured (Federal Housing Administration) | 1 | $175,000 | $175,000 | $175,000 | $49,000 | $49,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 808 | $123,810,000 | $153,000 | $4,005,000 | $111,000 | $2,143,000 |
| Application Denied By Financial Institution | 55 | $5,745,000 | $104,000 | $535,000 | $67,000 | $540,000 |
| Application Approved But Not Accepted | 29 | $3,265,000 | $112,000 | $565,000 | $260,000 | $1,616,000 |
| Application Withdrawn By Applicant | 13 | $1,165,000 | $89,000 | $285,000 | $47,000 | $90,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 600 | $106,320,000 | $177,000 | $4,005,000 | $119,000 | $2,143,000 |
| Debt-To-Income Ratio | 270 | $23,760,000 | $88,000 | $565,000 | $105,000 | $763,000 |
| Credit History | 33 | $3,655,000 | $110,000 | $535,000 | $59,000 | $187,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $75,000 | $75,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $55,000 | $55,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Whitaker Bank's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Whitaker Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.