Butler County
Kansas · FIPS 20015
According to CFPB HMDA 2024 application volume among U.S. counties, Butler County ranks #764 of 3,223, and #7 of 105 in Kansas.
Mortgage lending activity in Butler County, Kansas based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Butler County, Kansas lenders denied 391 of the applications reported here, financing the rest at an average note rate of 7.17%, with applicants self-reporting average annual income of $36K. 165 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Butler County
In Butler County, lead originator Community National Bank & Trust funded only 9.1% of 1,613 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.8% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Butler County's 2,784 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Butler County's $182,037 average loan (deduped against volume peers).
Lenders active in Butler County
Community National Bank & Trust funded 146 of the 1,613 loans originated in Butler County, 9.1% of the county. 165 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Community National Bank & Trust | 146 | 9.1% |
| 2 | White Eagle Credit Union | 97 | 6.0% |
| 3 | Emprise Bank | 76 | 4.7% |
| 4 | Rocket Mortgage | 73 | 4.5% |
| 5 | Meritrust Federal Credit Union | 70 | 4.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Butler County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Butler County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.