Largest lenders in Breathitt County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 85 | 6 | 51.8% | 10.50% |
| 2 | 21st Mortgage | F | 62 | 13 | 38.7% | 10.68% |
| 3 | Credit Human Federal Credit Union | D | 20 | 0 | 100.0% | — |
| 4 | Peoples Bank | C | 16 | 6 | 31.3% | 7.75% |
| 5 | Triad Financial Services | D | 15 | 1 | 53.3% | 8.60% |
| 6 | Rocket Mortgage | C | 10 | 5 | 40.0% | 6.99% |
| 7 | Community Trust Bank | B | 8 | 4 | 37.5% | 5.94% |
| 8 | Mortgage Research Center | C | 7 | 3 | 14.3% | 6.13% |
| 9 | FirstBank | C | 6 | 0 | 66.7% | — |
| 10 | Tammac Holdings | D | 6 | 0 | 66.7% | — |
| 11 | Commonwealth | C | 6 | 4 | 16.7% | 7.25% |
| 12 | Broker Solutions | D | 5 | 3 | 20.0% | 6.25% |
Best approval odds in Breathitt County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | 52 | 84.6% |
What Breathitt County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Breathitt County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 237 | 51 | 44.7% | 7.52% | $85,000 |
| 2024 | 263 | 54 | 49.1% | 7.99% | $95,000 |
| 2025 | 289 | 63 | 45.7% | 7.38% | $95,000 |
Frequently asked questions
45.7% of applications in Breathitt County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 85 applications in 2025 and a denial rate of 51.8%.
The median mortgage application in Breathitt County in 2025 was for $95,000; the median property value on originated loans was $170,000.