Largest lenders in Butler County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Morgantown Bank & Trust Company | B | 90 | 78 | 3.3% | 6.95% |
| 2 | Union Home Mortgage | B | 24 | 16 | 12.5% | 6.25% |
| 3 | Rocket Mortgage | C | 23 | 18 | 13.0% | 6.63% |
| 4 | 21st Mortgage | F | 21 | 2 | 28.6% | 10.15% |
| 5 | Vanderbilt Mortgage and Finance | F | 16 | 3 | 43.8% | 10.75% |
| 6 | Peoples Bank | C | 11 | 4 | 27.3% | 6.62% |
| 7 | Liberty | B | 10 | 10 | 0.0% | 6.31% |
| 8 | Abound Federal Credit Union | C | 10 | 1 | 50.0% | 8.45% |
| 9 | Citizens Bank | C | 8 | 4 | 37.5% | 6.63% |
| 10 | Atlantic Bay Mortgage Group | A | 8 | 6 | 0.0% | 6.31% |
| 11 | Carrington Mortgage Services | D | 7 | 4 | 42.9% | 6.00% |
| 12 | Credit Human Federal Credit Union | D | 7 | 2 | 71.4% | 7.85% |
| 13 | Freedom Mortgage | B | 7 | 3 | 0.0% | 6.38% |
| 14 | United Shore Financial Services | B | 7 | 3 | 14.3% | 5.87% |
| 15 | Mortgage Research Center | C | 7 | 4 | 14.3% | 5.87% |
| 16 | Movement Mortgage | A | 7 | 6 | 0.0% | 6.19% |
| 17 | Pennymac Loan Services | C | 6 | 1 | 16.7% | 5.63% |
| 18 | Newrez | D | 6 | 3 | 0.0% | 6.75% |
| 19 | Everett Financial | C | 5 | 5 | 0.0% | 6.38% |
| 20 | FirstBank | C | 5 | 2 | 40.0% | 7.40% |
| 21 | First Southern National Bank | B | 5 | 4 | 20.0% | 7.59% |
| 22 | Farm Credit Mid-America | D | 5 | 3 | 0.0% | 6.88% |
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 | Morgantown Bank & Trust Company | 90 | 3.3% |
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 | 317 | 174 | 19.2% | 7.25% | $125,000 |
| 2024 | 349 | 208 | 20.3% | 7.25% | $135,000 |
| 2025 | 393 | 234 | 16.0% | 6.75% | $145,000 |
Frequently asked questions
16.0% of applications in Butler County were denied in 2025, against 18.8% statewide in Kentucky.
Morgantown Bank & Trust Company, with 90 applications in 2025 and a denial rate of 3.3%.
The median mortgage application in Butler County in 2025 was for $145,000; the median property value on originated loans was $225,000.