Butler County
Pennsylvania · FIPS 42019
According to CFPB HMDA 2024 application volume among U.S. counties, Butler County ranks #394 of 3,223, and #19 of 67 in Pennsylvania.
Mortgage lending activity in Butler County, Pennsylvania 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, Pennsylvania lenders denied 962 of the applications reported here, financing the rest at an average note rate of 7.24%, with applicants self-reporting average annual income of $35K. 248 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.8x, meaning typical borrowers took on mortgages of about 6.8 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 Armco Credit Union funded only 10.1% of 4,280 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Butler County's 7,147 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Butler County's $236,595 average loan (deduped against volume peers).
Lenders active in Butler County
Armco Credit Union funded 433 of the 4,280 loans originated in Butler County, 10.1% of the county. 248 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Armco Credit Union | 433 | 10.1% |
| 2 | Pnc Bank N.A. | 299 | 7.0% |
| 3 | Nvr Mortgage Finance, INC. | 274 | 6.4% |
| 4 | Rocket Mortgage | 222 | 5.2% |
| 5 | United Wholesale Mortgage | 218 | 5.1% |
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.