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

Across 2,183 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 $6,361 on a median loan of $315,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $6,361
Median loan amount: $315,000

2,183 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.875%–6.875%
Median total loan costs: $6,576
Median loan amount: $235,000

764 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.DHI Mortgage Company, LTD.builder lender6.25%99 loans, median costs $4,586
2.PNC BANK N.A.6.25%57 loans, median costs $6,026
3.GUARANTEED RATE AFFINITY, LLC6.375%52 loans, median costs $7,784
4.FIRST NATIONAL BANK OF PA6.49%67 loans, median costs $6,861
5.NVR MORTGAGE FINANCE, INC.builder lender6.5%255 loans, median costs $6,689

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

Refinance

1.PENNYMAC LOAN SERVICES LLC5.75%31 loans, median costs $8,053
2.United Wholesale Mortgagebroker only5.986%78 loans, median costs $6,409
3.ROCKET MORTGAGE6.25%93 loans, median costs $7,613
4.FIRST NATIONAL BANK OF PA6.49%35 loans, median costs $0
5.CBNA Year to Date7.25%51 loans, median costs $5,186

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

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

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	NVR MORTGAGE FINANCE, INC.builder lender	255	6.5%	$6,689	$2,611	$8,031
2	United Wholesale Mortgagebroker only	175	6.5%	$6,400	$2,054	$1,834
3	ROCKET MORTGAGE	102	6.5%	$6,693	$2,795	$2,254
4	DHI Mortgage Company, LTD.builder lender	99	6.25%	$4,586	$0	$1,457
5	HOWARD HANNA FINANCIAL SERVICES, INC	89	6.615%	$6,384	$2,275	$1,464
6	Union Home Mortgage Corp.	84	6.5%	$7,539	$2,585	$1,640
7	FIRST NATIONAL BANK OF PA	67	6.49%	$6,861	$1,502	$675
8	PNC BANK N.A.	57	6.25%	$6,026	$1,715	$703
9	RMC Home Mortgage, LLC	55	6.75%	$8,808	$3,425	$3,199
10	GUARANTEED RATE AFFINITY, LLC	52	6.375%	$7,784	$2,587	$2,408
11	West Penn Financial Service Center, Inc.	48	6.625%	$5,991	$1,506	$1,197
12	State Financial Network LLC	46	6.625%	$3,319	$650	$4,927
13	Union Savings Bank	43	6.5%	$5,685	$500	$311
14	AFFORDABLE MORTGAGE ADVISORS	42	6.625%	$6,035	$1,550	$952
15	CFSBANK	41	n/a	n/a	n/a	n/a
16	ARMCO CREDIT UNION	39	7%	$150	$150	n/a
17	MOVEMENT MORTGAGE, LLC	38	6.594%	$7,016	$1,695	$1,177
18	FIRST COMMONWEALTH BANK	35	6.5%	$5,385	$1,648	$415
19	NEXTIER BANK, N.A.	33	6.625%	$4,296	$250	n/a
20	DOLLAR BANK, FSB	32	6.5%	$5,522	$1,498	$808
21	Provident Funding Associates	28	6.5%	$5,933	$1,984	$2,762
22	CROSSCOUNTRY MORTGAGE, LLC	26	6.625%	$6,895	$2,180	$1,978
23	Mortgage Research Center	25	6.5%	$4,838	$662	$539
24	CBNA Year to Date	23	6.4%	$7,599	$3,402	$2,340
25	PLAZA HOME MORTGAGE, INCbroker only	21	6.5%	$9,403	$3,877	$1,453
26	Huntington National Bank	20	6.75%	$5,930	$1,683	$971
27	TRIAD FINANCIAL SERVICES, INC.	20	8.265%	n/a	n/a	n/a
28	PENNYMAC LOAN SERVICES LLC	20	6.624%	$9,843	$4,762	$2,571
29	JPMorgan Chase Bank, NA	19	6.49%	$2,791	$706	$1,560
30	Homestead Funding Corp.	16	6.25%	$5,184	$1,395	$690
31	FAIRWAY INDEPENDENT MORT CORP	15	6.75%	$7,248	$3,540	$2,585
32	Victorian Finance, LLC	15	6.375%	$9,181	$5,045	$5,063
33	WESBANCO BANK, INC.	15	6.5%	$7,570	$2,784	$599
34	GUILD MORTGAGE COMPANY	14	6.5%	$6,024	$1,722	$1,582
35	IXONIA BANK	14	6.875%	$6,821	$2,198	$1,782
36	S&T Bank	14	6.75%	$6,724	$1,550	n/a
37	CLEARVIEW FEDERAL CREDIT UNION	13	6.5%	$4,679	$1,173	n/a
38	Northwest Bank	13	6.75%	$6,723	$1,357	$192
39	Navy Federal Credit Union	12	6%	$3,762	$0	$3,063
40	STOCKTON MORTGAGE CORPORATION	12	6.625%	$8,395	$3,673	$2,227

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

Request quotes on LendingTree

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.

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

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, Pennsylvania in 2025 was 6.5%, across 2,183 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.