Are my hired armies (Retinues/Merc/Holy Order) at all affected by my cultural buildings in any holding? They aren't trained in my realm, except for vassalized holy orders, so I assume no.
Cultural Buildings and Hired Armies
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According to a loading screen message, right click on the message, which will show you a window that lets you customize this exact kind of message, without looking for the right kind of message in the long list:
If a Holy order is busy fighting a war in personal capacity i.e. in your case, this crusade as thegrinner suggested about three years ago, then they aren't available to be hired by other rulers.
They are already a co-belligerent in the war so employment by any ruler in midst of that would cause internal logical errors. Who gets their war contribution score?
You can easily check that in the list of participants of the crusades. An easy way to overcome this is make up your mind early enough. As soon as crusade is declared, send a missive to the pope with request to join him and hire the available orders before someone else does or before they decide to get busy themselves.
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Best Answer
Looking it up, hired Retinues use the cultural building in your capital. I could not find if this is true for mercenaries, and I doubt it is true for holy orders as they frequently have their own holdings.
Source: http://www.ckiiwiki.com/Retinues#Cultural_retinues