What people paid for mortgages in Butler County, KS (2025)

Across 850 closed home-purchase loans in 2025, the median interest rate in Butler was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $4,140 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $4,140
Median loan amount: $225,000

850 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.75%–6.75%
Median total loan costs: $5,058
Median loan amount: $195,000

347 loans, 2025.

Lowest median rates in Butler (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.Mortgage Research Center, LLC6.375%33 loans, median costs $3,827
2.GUILD MORTGAGE COMPANY6.5%59 loans, median costs $6,087
3.Gateway First Bank6.5%55 loans, median costs $3,316
4.MERITRUST Federal Credit Union6.5%35 loans, median costs $3,200
5.Fidelity Bank, National Association6.625%36 loans, median costs $3,485

Among lenders with at least 30 closed purchase loans in Butler County in 2025.

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.812%26 loans, median costs $5,744
2.PENNYMAC LOAN SERVICES, LLC5.99%21 loans, median costs $6,908
3.Rocket Mortgage, LLC6.188%54 loans, median costs $6,388
4.FREEDOM MORTGAGE CORPORATION6.25%24 loans, median costs $6,615
5.Loandepot.Com, LLC6.433%10 loans, median costs $4,453

Among lenders with at least 10 closed refinance loans in Butler County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Butler

Every lender that closed at least 5 qualifying loans in Butler County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	GUILD MORTGAGE COMPANY	59	6.5%	$6,087	$2,142	$1,392
2	Gateway First Bank	55	6.5%	$3,316	$1,030	$1,192
3	Sierra Pacific Mortgage Company, Inc.	38	6.688%	$5,136	$2,401	$1,128
4	Fidelity Bank, National Association	36	6.625%	$3,485	$1,050	$538
5	MERITRUST Federal Credit Union	35	6.5%	$3,200	$1,479	$942
6	Mortgage Research Center, LLC	33	6.375%	$3,827	$0	$1,187
7	Rocket Mortgage, LLC	30	6.688%	$5,052	$2,897	$2,813
8	Community National Bank & Trust	29	7%	$3,255	$1,090	$1,856
9	PLANET HOME LENDING, LLC	24	6.375%	$6,569	$1,411	$520
10	CREDIT UNION OF AMERICA	23	6.5%	$2,803	$731	$894
11	PREMIER MEMBERS CREDIT UNION	22	6.125%	$3,139	$929	$558
12	Fairway Independent Mortgage Corporation	19	6.49%	$6,767	$3,573	$2,827
13	PENNYMAC LOAN SERVICES, LLC	19	6.375%	$4,776	$895	$942
14	Peoples Bank and Trust Company	17	6.5%	$3,328	$995	$1,800
15	Intrust Bank, National Association	17	6%	$2,147	$950	$1,200
16	HEARTLAND CREDIT UNION	16	6.5%	$3,373	$1,423	$952
17	Click n' Close, Inc.	14	6.562%	$5,279	$995	$289
18	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	14	6.624%	$7,017	$1,661	$1,341
19	American Mortgage Bank, LLC	13	6.5%	$3,970	$1,345	$502
20	WHITE EAGLE Credit Union	13	n/a	n/a	n/a	n/a
21	Navy Federal Credit Union	11	6%	$2,785	$0	n/a
22	Andover State Bank	10	n/a	n/a	n/a	n/a
23	Vintage Bank Kansas	10	n/a	n/a	n/a	n/a
24	TRIAD FINANCIAL SERVICES, INC.	10	8.98%	n/a	n/a	n/a
25	FLAT BRANCH MORTGAGE, INC.	10	6.495%	$6,435	$2,635	$2,483
26	LEADERONE FINANCIAL CORPORATION	9	6.5%	$7,792	$4,794	$3,493
27	REGENT FINANCIAL GROUP, INC.	8	6.625%	$5,787	$1,856	$1,237
28	Farm Credit Mid-America	8	6.938%	$7,978	$6,100	n/a
29	Capitol Federal Savings Bank	8	6.125%	$3,014	$1,090	n/a
30	UNION HOME MORTGAGE CORP.	8	6.438%	$8,193	$3,326	$2,413
31	CANOPY MORTGAGE, LLC	8	6.99%	$7,029	$2,935	$1,690
32	JPMorgan Chase Bank, National Association	8	6.75%	$1,672	$340	$1,109
33	USAA Federal Savings Bank	8	6.438%	$2,747	$414	$465
34	Emprise Bank	8	6.625%	$6,450	$3,350	n/a
35	Citizens Bank of Kansas	7	n/a	n/a	n/a	n/a
36	Members Mortgage Services, L.L.C.	7	6.125%	$6,515	$895	$2,808
37	Home Bank and Trust Company	6	7.25%	$3,193	$948	n/a
38	Commerce Bank	6	6.312%	$3,551	$600	$849
39	Sunflower Bank, National Association	5	5.99%	$5,449	$1,355	$2,262
40	PRIMELENDING, A PLAINSCAPITAL COMPANY	5	6.99%	$3,864	$1,460	$525

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

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What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Butler figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Butler County in 2025?

The median interest rate on closed home-purchase loans in Butler County, Kansas in 2025 was 6.5%, across 850 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.