Largest lenders in Butler County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Community National Bank & Trust | C | 186 | 168 | 2.2% | 7.75% |
| 2 | Rocket Mortgage | C | 138 | 107 | 15.9% | 6.50% |
| 3 | WHITE EAGLE Credit Union | C | 131 | 98 | 11.5% | — |
| 4 | Emprise Bank | D | 130 | 76 | 31.5% | 7.75% |
| 5 | Credit Union of America | C | 115 | 72 | 20.0% | 7.75% |
| 6 | MERITRUST Federal Credit Union | B | 96 | 76 | 10.4% | 6.75% |
| 7 | Intrust Bank | C | 89 | 62 | 15.7% | 7.50% |
| 8 | Pennymac Loan Services | C | 88 | 51 | 12.5% | 6.25% |
| 9 | Guild Mortgage | A | 88 | 65 | 4.6% | 6.50% |
| 10 | Gateway First Bank | B | 87 | 73 | 0.0% | 6.56% |
| 11 | Mortgage Research Center | C | 79 | 42 | 11.4% | 6.44% |
| 12 | Fidelity Bank | C | 72 | 54 | 11.1% | 6.63% |
| 13 | United Shore Financial Services | B | 66 | 42 | 13.6% | 6.00% |
| 14 | Premier Members Credit Union | D | 62 | 51 | 3.2% | 6.75% |
| 15 | Sierra Pacific Mortgage Company | C | 60 | 43 | 10.0% | 6.75% |
| 16 | Vintage Bank Kansas | B | 54 | 46 | 13.0% | — |
| 17 | Planet Home Lending | B | 51 | 40 | 7.8% | 6.38% |
| 18 | Freedom Mortgage | B | 49 | 27 | 6.1% | 6.25% |
| 19 | Commerce Bank | D | 36 | 16 | 38.9% | 6.00% |
| 20 | Capitol Federal Savings Bank | B | 36 | 21 | 22.2% | 8.00% |
| 21 | Loandepot.Com | D | 33 | 27 | 3.0% | 6.75% |
| 22 | Peoples Bank and Trust | A | 33 | 30 | 3.0% | 6.75% |
| 23 | Nationstar Mortgage | C | 32 | 22 | 18.8% | 7.62% |
| 24 | Fairway Independent Mortgage | B | 31 | 24 | 9.7% | 6.49% |
| 25 | Heartland Credit Union | D | 31 | 21 | 6.5% | 6.63% |
Best approval odds in Butler County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Gateway First Bank | 73 | 0.0% |
| 2 | Community National Bank & Trust | 175 | 2.3% |
| 3 | Premier Members Credit Union | 53 | 3.8% |
| 4 | Guild Mortgage | 76 | 5.3% |
| 5 | MERITRUST Federal Credit Union | 87 | 11.5% |
| 6 | Fidelity Bank | 63 | 12.7% |
| 7 | WHITE EAGLE Credit Union | 114 | 13.2% |
| 8 | Vintage Bank Kansas | 53 | 13.2% |
| 9 | Rocket Mortgage | 130 | 16.9% |
| 10 | Pennymac Loan Services | 63 | 17.5% |
What Butler County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Butler County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,501 | 1,638 | 15.9% | 6.88% | $135,000 |
| 2024 | 2,531 | 1,636 | 15.7% | 6.88% | $145,000 |
| 2025 | 2,943 | 1,958 | 14.1% | 6.75% | $155,000 |
Frequently asked questions
14.1% of applications in Butler County were denied in 2025, against 15.0% statewide in Kansas.
Community National Bank & Trust, with 186 applications in 2025 and a denial rate of 2.2%.
The median mortgage application in Butler County in 2025 was for $155,000; the median property value on originated loans was $275,000.