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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Bowling Green
Updated February 5, 2026
Market Overview
39
Total Lenders
1,757
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Liberty | Exceptional | Strong | Exceptional | Exceptional | $1,170 | +0.389% | 120 | |
2 | Abound Federal Credit Union | Exceptional | Exceptional | Strong | Strong | -$266 | -0.266% | 39 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $1,976 | +0.250% | 90 | |
4 | SOUTH CENTRAL BANK, INC. | Exceptional | Strong | Strong | Exceptional | $1,424 | +0.252% | 86 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $729 | +0.340% | 85 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,945 | +0.223% | 67 | |
7 | German American Bank | Strong | Strong | Sound | Strong | $1,460 | +0.290% | 30 | |
8 | Truist Bank | Strong | Strong | Strong | Sound | $1,414 | +0.017% | 21 | |
9 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,560 | +0.467% | 276 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,361 | +0.448% | 120 | |
11 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $1,829 | +0.372% | 63 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,303 | +0.190% | 36 | |
13 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,881 | +0.381% | 53 | |
14 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | $1,072 | +0.127% | 51 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,472 | +0.304% | 45 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,857 | +0.213% | 26 | |
17 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,291 | +0.473% | 70 | |
18 | Independence Bank of Kentucky | Strong | Sound | Sound | Sound | $843 | +0.280% | 20 | |
19 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,569 | +0.235% | 21 | |
20 | Morgantown Bank & Trust Company, Incorporated | Sound | Mediocre | Sound | Exceptional | $472 | +0.787% | 72 | |
21 | Edmonton State Bank | Sound | Mediocre | Sound | Strong | $1,993 | +0.573% | 55 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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