Purchase Originations
123
Median Total Costs
$2,662
−60.1% vs national ($6,680)
↑ $386 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$880
Median Lender Credits
$74
Denial Rate
7.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 122 | 6.250% | $2,651 | $871 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kentucky | 123 | 6.250% | $2,662 | #76 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,886 | 6.250% | — | 4 | −$776 | |
| 2 | $2,132 | 6.312% | — | 2 | −$530 | |
| 3 | $2,165 | 6.250% | — | 5 | −$497 | |
| 4 | $2,219 | 6.250% | — | 3 | −$443 | |
| 5 | $2,278 | 6.562% | — | 2 | −$384 | |
| 6 | $2,341 | 6.375% | — | 2 | −$321 | |
| 7 | $2,399 | 5.875% | — | 2 | −$263 | |
| 8 | $2,468 | 6.250% | — | 9 | −$194 | |
| 9 | $2,485 | 6.250% | — | 3 | −$177 | |
| 10 | $2,494 | 6.250% | — | 4 | −$168 | |
| 11 | $2,679 | 6.125% | — | 18 | +$17 | |
| 12 | $2,864 | 6.250% | — | 14 | +$202 | |
| 13 | $2,980 | 6.250% | — | 7 | +$318 | |
| 14 | $3,120 | 6.250% | — | 7 | +$458 | |
| 15 | $3,139 | 6.062% | — | 20 | +$477 | |
| 16 | $3,428 | 6.312% | — | 2 | +$766 | |
| 17 | $3,602 | 6.312% | — | 2 | +$940 | |
| 18 | $3,991 | 5.875% | — | 2 | +$1,329 | |
| 19 | $4,012 | 6.062% | — | 2 | +$1,350 | |
| 20 | $4,091 | 6.000% | — | 2 | +$1,429 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Whitaker Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $175,000 | $335,000 | −$160,000 (−47.8%) |
| Median total closing costs | $2,662 | $7,127 | −$4,465 (−62.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.