Breathitt County
Kentucky · FIPS 21025
According to CFPB HMDA 2024 application volume among U.S. counties, Breathitt County ranks #2,440 of 3,223, and #103 of 120 in Kentucky.
Mortgage lending activity in Breathitt County, Kentucky based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Breathitt County, Kentucky lenders denied 129 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Breathitt County
In Breathitt County, lead originator 21st Mortgage funded 22.2% of 54 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 44.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Breathitt County's 271 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Breathitt County's $110,351 average loan (deduped against volume peers).
Lenders active in Breathitt County
21st Mortgage funded 12 of the 54 loans originated in Breathitt County, 22.2% of the county. 21 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Breathitt County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Breathitt County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.