What people paid for mortgages in Butler County, OH (2025)
Across 3,955 closed home-purchase loans in 2025, the median interest rate in Butler was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $5,033 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.25%–6.875%
- Median total loan costs
- $5,033
- Median loan amount
- $275,000
3,955 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.874%–6.75%
- Median total loan costs
- $5,741
- Median loan amount
- $235,000
1,955 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.M/I FINANCIAL, LLC5.875%121 loans, median costs $8,702
- 2.VICTORY MORTGAGE, L.L.C.5.875%50 loans, median costs $3,893
- 3.WRIGHT-PATT CREDIT UNION, INC.5.875%41 loans, median costs $3,778
- 4.NVR Mortgage Finance, Inc.6.25%51 loans, median costs $7,038
- 5.Third Federal Savings and Loan Association of Cleveland6.425%46 loans, median costs $3,290
Among lenders with at least 30 closed purchase loans in Butler County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.875%227 loans, median costs $7,166
- 2.First Financial Bank5.99%57 loans, median costs $3,731
- 3.Loandepot.Com, LLC5.99%36 loans, median costs $9,115
- 4.PENNYMAC LOAN SERVICES, LLC5.999%55 loans, median costs $7,152
- 5.FIRST COMMUNITY MORTGAGE, INC.6.058%36 loans, median costs $6,215
Among lenders with at least 30 closed refinance loans in Butler County in 2025.
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 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 259 | 6.624% | $7,940 | $2,786 | $1,540 |
| 2 | Union Savings Bank | 220 | 6.625% | $1,559 | $500 | $786 |
| 3 | FIRST COMMUNITY MORTGAGE, INC. | 184 | 6.625% | $6,060 | $2,844 | $1,391 |
| 4 | UNION HOME MORTGAGE CORP. | 147 | 6.625% | $5,451 | $1,930 | $1,063 |
| 5 | Rocket Mortgage, LLC | 145 | 6.5% | $5,877 | $2,717 | $2,306 |
| 6 | Fifth Third Bank, National Association | 138 | 6.5% | $3,556 | $1,295 | $731 |
| 7 | CROSSCOUNTRY MORTGAGE, INC. | 127 | 6.75% | $7,751 | $3,768 | $3,544 |
| 8 | The Huntington National Bank | 123 | 6.625% | $3,831 | $1,295 | $840 |
| 9 | M/I FINANCIAL, LLC | 121 | 5.875% | $8,702 | $4,334 | $3,271 |
| 10 | DAS Acquisition Company, LLC | 86 | 6.75% | $7,806 | $3,502 | $1,991 |
| 11 | Mortgage Research Center, LLC | 84 | 6.625% | $4,066 | $0 | $765 |
| 12 | RUOFF MORTGAGE COMPANY, INC. | 77 | 6.875% | $4,108 | $1,515 | $675 |
| 13 | U.S. Bank National Association | 76 | 6.495% | $4,296 | $1,480 | $850 |
| 14 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 74 | 6.99% | $6,122 | $2,237 | $824 |
| 15 | Fairway Independent Mortgage Corporation | 70 | 6.812% | $6,213 | $2,933 | $1,404 |
| 16 | 3RD STREET FINANCIAL CORP. | 68 | 6.499% | $4,736 | $1,195 | $0 |
| 17 | GUARANTEED RATE AFFINITY, LLC | 63 | 6.6% | $4,743 | $2,108 | $2,989 |
| 18 | JPMorgan Chase Bank, National Association | 59 | 6.5% | $2,942 | $35 | $1,165 |
| 19 | SIBCY CLINE MORTGAGE SERVICES, INC. | 56 | 6.812% | $3,709 | $1,289 | $580 |
| 20 | Guardian Savings Bank | 56 | 6.688% | $2,403 | $500 | $394 |
| 21 | First Financial Bank | 56 | 6.75% | $4,053 | $1,435 | $1,827 |
| 22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 55 | 6.75% | $5,893 | $1,990 | $810 |
| 23 | NVR Mortgage Finance, Inc. | 51 | 6.25% | $7,038 | $4,603 | $8,885 |
| 24 | VICTORY MORTGAGE, L.L.C. | 50 | 5.875% | $3,893 | $850 | $8,678 |
| 25 | NFM, INC. | 49 | 6.99% | $7,281 | $3,924 | $2,261 |
| 26 | Third Federal Savings and Loan Association of Cleveland | 46 | 6.425% | $3,290 | $700 | n/a |
| 27 | RAPID MORTGAGE COMPANY | 46 | 6.875% | $7,062 | $4,058 | $2,772 |
| 28 | WRIGHT-PATT CREDIT UNION, INC. | 41 | 5.875% | $3,778 | $0 | $555 |
| 29 | RMC HOME MORTGAGE, LLC | 41 | 6.49% | $7,677 | $1,854 | $9,399 |
| 30 | Synergy One Lending, Inc. | 37 | 6.75% | $8,820 | $2,879 | $1,810 |
| 31 | PNC Bank, National Association | 37 | 6.5% | $4,094 | $1,244 | $691 |
| 32 | GUARANTEED RATE, INC. | 35 | 6.6% | $4,298 | $1,640 | $842 |
| 33 | Cornerstone First Mortgage, Inc | 30 | 6.812% | $5,057 | $1,895 | $988 |
| 34 | 1st National Bank | 27 | 6.625% | $2,605 | $540 | $1,188 |
| 35 | LCNB National Bank | 26 | 6.625% | $3,632 | $1,045 | $1,500 |
| 36 | PENNYMAC LOAN SERVICES, LLC | 25 | 6.75% | $4,943 | $1,727 | $1,042 |
| 37 | SUPERIOR CREDIT UNION, INC. | 24 | 6.125% | $3,503 | $810 | $1,211 |
| 38 | GENERAL ELECTRIC CREDIT UNION | 23 | 6.375% | $2,291 | $975 | $268 |
| 39 | BAYSHORE MORTGAGE FUNDING, LLC | 23 | 6.625% | $5,770 | $1,784 | $1,575 |
| 40 | LOWER, LLC | 23 | 6.625% | $5,285 | $1,499 | $1,320 |
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.
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, Ohio in 2025 was 6.625%, across 3,955 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% 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.