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2024 data HMDA 2024 disclosure official source

Breathitt County

271 mortgage applications, 47.6% denial rate. Verify FIPS 21025 with U.S. Census Bureau →

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Kentucky · FIPS 21025

Local mortgage market. Breathitt County, Kentucky saw 271 HMDA-reported mortgage applications in 2024. Lenders originated 54 of those loans and denied 129, producing a denial rate of 47.6% and an approval (origination) rate of 19.9%. The average loan amount was $110,351 at an average note rate of 8.53%, with applicants self-reporting average annual income of $37K. 21 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.0x, meaning typical borrowers took on mortgages of about 3.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 21025 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

271
Applications
54
Originated
47.6%
Denial Rate
19.9%
Approval Rate
$110,351
Avg Loan Amount
8.53%
Avg Interest Rate
$37K
Avg Applicant Income
3.0x
Loan-to-Income Ratio

Nearby Lenders in Breathitt County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 21st Mortgage 12 22.2%
2 Rocket Mortgage 6 11.1%
3 Vanderbilt Mortgage and Finance, INC 6 11.1%
4 Community Trust Bank, Inc. 6 11.1%
5 Commonwealth Credit Union 3 5.6%
Compare 21st Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Breathitt County?
In the 2024 HMDA reporting year, 271 mortgage applications were filed in Breathitt County, Kentucky. Of these, 54 were originated (approved and funded), while 129 were denied, resulting in a denial rate of 47.6%.
What is the mortgage denial rate in Breathitt County?
The mortgage denial rate in Breathitt County is 47.6%. The approval (origination) rate is 19.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Breathitt County?
The average mortgage loan amount in Breathitt County is $110,351. The average interest rate is 8.529%. The average applicant income is $37K.
What is the loan-to-income ratio in Breathitt County?
The average loan-to-income ratio in Breathitt County is 3.0x, meaning borrowers took on loans averaging 3.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Breathitt County?
The top mortgage lenders in Breathitt County by origination volume are 21st Mortgage, Rocket Mortgage, Vanderbilt Mortgage and Finance, INC. In total, 21 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.