Mortgage lending in Butler County
1,957 mortgages were originated in Butler County, Kansas, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,957
- Median rate
- 6.750%
- Median lender fees
- $3,905
- Median loan amount
- $155,000
- Median spread over APOR
- 0.350
- Paid discount points
- 32.7%
- Received lender credits
- 17%
- Purchases / refinances
- 51.9% / 30.9%
- Conventional / FHA / VA
- 76.3% / 12.6% / 9.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 63.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Butler County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Community National Bank & Trust | 168 | — | 7.750% |
| Rocket Mortgage, LLC | 107 | $4,954 | 6.500% |
| WHITE EAGLE Credit Union | 98 | — | — |
| Emprise Bank | 76 | — | 7.750% |
| MERITRUST Federal Credit Union | 76 | $2,949 | 6.750% |
| Gateway First Bank | 73 | $3,200 | 6.563% |
| CREDIT UNION OF AMERICA | 72 | — | 7.750% |
| GUILD MORTGAGE COMPANY | 65 | $6,073 | 6.500% |
| Intrust Bank, National Association | 62 | — | 7.500% |
| Fidelity Bank, National Association | 54 | — | 6.625% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Butler County — not a rule of thumb.
From 1,234 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers