Kentucky · HMDA 2025
Mortgage lenders in Breathitt County, KY
46 lenders reported 297 home-loan applications in Breathitt County in 2025. 63 closed as loans ($8.5M), 132 were denied — a 61.7% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 56% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 297
- Loans originated
- 63
- Purchase / refinance
- 41 / 10
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Breathitt County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 85 | 28.6% | — |
| 2 | 21st Mortgage Corporation | 62 | 20.9% | — |
| 3 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 20 | 6.7% | 74.7% |
| 4 | Peoples Bank 67 out of 100, Moderate | 16 | 5.4% | 24.1% |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 15 | 5.1% | — |
| 6 | Rocket Mortgage, LLC | 10 | 3.4% | — |
| 7 | Community Trust Bank, Inc. 80 out of 100, Strong | 8 | 2.7% | 13.9% |
| 8 | Mortgage Research Center, LLC | 7 | 2.4% | — |
| 9 | COMMONWEALTH | 6 | 2.0% | — |
| 10 | TAMMAC HOLDINGS CORPORATION | 6 | 2.0% | — |
| 11 | FirstBank 59 out of 100, Moderate | 6 | 2.0% | 42.8% |
| 12 | Broker Solutions, Inc. | 5 | 1.7% | — |
| 13 | PLANET HOME LENDING, LLC | 5 | 1.7% | — |
| 14 | SPRING EQ, LLC | 4 | 1.3% | — |
| 15 | PENNYMAC LOAN SERVICES, LLC | 3 | 1.0% | — |
| 16 | REPUBLIC STATE MORTGAGE CO. | 3 | 1.0% | — |
| 17 | Coastal Community Bank 35 out of 100, Low | 3 | 1.0% | 3.0% |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.7% | 14.1% |
| 19 | Whitaker Bank | 2 | 0.7% | — |
| 20 | SOUTHWEST STAGE FUNDING, LLC | 2 | 0.7% | — |
| 21 | LAKEVIEW LOAN SERVICING, LLC | 2 | 0.7% | — |
| 22 | CMG MORTGAGE, INC. | 1 | 0.3% | — |
| 23 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.3% | 32.9% |
| 24 | Loandepot.Com, LLC | 1 | 0.3% | — |
| 25 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 0.3% | — |
| 26 | Discover Bank | 1 | 0.3% | — |
| 27 | AmeriSave Mortgage Corporation | 1 | 0.3% | — |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.3% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 0.3% | — |
| 30 | FIGURE LENDING LLC | 1 | 0.3% | — |
| 31 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 0.3% | — |
| 32 | AMERICAN FINANCIAL RESOURCES, INC. | 1 | 0.3% | — |
| 33 | SWBC MORTGAGE CORPORATION | 1 | 0.3% | — |
| 34 | Central Bank & Trust Company 76 out of 100, Strong | 1 | 0.3% | 9.9% |
| 35 | Appalachian Community Federal Credit Union 70 out of 100, Strong | 1 | 0.3% | 11.5% |
| 36 | Farm Credit Mid-America | 1 | 0.3% | — |
| 37 | NATIONSTAR MORTGAGE LLC | 1 | 0.3% | — |
| 38 | AMWEST FUNDING CORP. | 1 | 0.3% | — |
| 39 | MUTUAL OF OMAHA MORTGAGE, INC. | 1 | 0.3% | — |
| 40 | NEW DAY FINANCIAL, LLC | 1 | 0.3% | — |
Top 40 of 46 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Kentucky
- Jefferson County 34,355 apps
- Fayette County 12,096 apps
- Kenton County 9,206 apps
- Boone County 7,875 apps
- Hardin County 5,758 apps
- Warren County 5,386 apps
- Bullitt County 4,826 apps
- Campbell County 4,786 apps
- Madison County 4,634 apps
- Daviess County 3,848 apps
- Scott County 3,599 apps
- Oldham County 3,581 apps