Mortgage lending in Butler County
9,669 mortgages were originated in Butler County, Ohio, 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
- 9,669
- Median rate
- 6.750%
- Median lender fees
- $4,649
- Median loan amount
- $195,000
- Median spread over APOR
- 0.400
- Paid discount points
- 32.3%
- Received lender credits
- 21.5%
- Purchases / refinances
- 46.6% / 30.6%
- Conventional / FHA / VA
- 80.3% / 13.3% / 6.2%
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 66.6% 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 |
|---|---|---|---|
| Fifth Third Bank, National Association | 767 | $2,648 | 7.750% |
| Rocket Mortgage, LLC | 543 | $5,399 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 541 | $7,629 | 6.490% |
| Union Savings Bank | 521 | $1,047 | 6.750% |
| First Financial Bank | 437 | $3,644 | 5.990% |
| The Huntington National Bank | 316 | $3,712 | 7.050% |
| U.S. Bank National Association | 269 | $3,562 | 7.850% |
| Third Federal Savings and Loan Association of Cleveland | 226 | $48 | 6.990% |
| FIRST COMMUNITY MORTGAGE, INC. | 225 | $6,075 | 6.625% |
| UNION HOME MORTGAGE CORP. | 210 | $5,451 | 6.625% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Butler County — not a rule of thumb.
From 6,443 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