Refinancing lenders in Butler County
1,457 refinancing mortgages were made in Butler County, Ohio, in 2025, by 224 lenders. The median rate their borrowers got was 6.440% on a median loan of $225,000. Of 1,904 decisions, 339 were denials — 17.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Fifth Third Bank, National Association | 266 | 7.750% | $105,000 | 23.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 136 | 5.625% | $335,000 | 13.3% |
| Union Savings Bank | 107 | 6.250% | $255,000 | 6.7% |
| Rocket Mortgage, LLC | 83 | 5.990% | $245,000 | 17.3% |
| FREEDOM MORTGAGE CORPORATION | 70 | 6.250% | $265,000 | 3.0% |
| Third Federal Savings and Loan Association of Cleveland | 69 | 6.990% | $135,000 | 29.0% |
| PNC Bank, National Association | 41 | 8.030% | $135,000 | 30.2% |
| The Huntington National Bank | 38 | 7.183% | $205,000 | 32.2% |
| NEWREZ LLC | 29 | 5.875% | $295,000 | 19.4% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 6.063% | $215,000 | 14.7% |
| UNION HOME MORTGAGE CORP. | 28 | 6.125% | $285,000 | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 23 | 8.000% | $105,000 | 25.7% |
| Kiavi Funding, Inc. | 20 | 7.188% | $170,000 | 9.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 20 | 5.990% | $245,000 | 4.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 16 | 6.125% | $340,000 | 17.9% |
| Guardian Savings Bank | 16 | 6.188% | $280,000 | 27.3% |
| Mortgage Research Center, LLC | 15 | 5.875% | $295,000 | 31.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 6.240% | $295,000 | 0.0% |
| U.S. Bank National Association | 15 | 6.990% | $195,000 | 21.1% |
| The North Side Bank & Trust Company | 15 | 7.000% | $105,000 | 6.3% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.250% | $275,000 | 11.1% |
| Loandepot.Com, LLC | 13 | 5.500% | $205,000 | 7.1% |
| JPMorgan Chase Bank, National Association | 11 | 6.125% | $275,000 | 8.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 11 | 6.125% | $335,000 | 0.0% |
| PLANET HOME LENDING, LLC | 11 | 6.125% | $245,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.183% | $305,000 | 0.0% |
| First Financial Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| 1st National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 12.5% |
| DAS Acquisition Company, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TELHIO | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 63.2% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| KEMBA CREDIT UNION, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| First Commonwealth Bank | 5 | Under 10 loans | Under 10 loans | 12.5% |
| GVC MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LCNB National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GENERAL ELECTRIC CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Day Air Credit Union, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stock Yards Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bath State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Somerville Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUPERIOR CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings And Loan Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Twin Valley Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AURGROUP FINANCIAL CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sharefax Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CINFED Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ECLIPSE BANK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER VALLEY CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Croghan Colonial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CINCINNATI OHIO POLICE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Minster Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Ohio Valley Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of West Virginia | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Warsaw Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| L & N Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RiverHills Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Forcht Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SKYONE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FCN Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 71.4% |
| 3RD STREET FINANCIAL CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| EQUITY RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VERITAS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| POLARIS HOME FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 984500RF83EA742B5589 | 0 | Under 10 loans | Under 10 loans | Not published |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| CAPITAL CENTER, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUMMIT FUNDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Kentucky Farmers Bank Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Civista Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KINECTA | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 24 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.