# Best Mortgage Lenders in Bowling Green, KY

**As of:** 2026-05-21

Compare the top mortgage lenders in Bowling Green, KY. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/bowling-green-ky/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 39
- **Total Loans:** 1,757
- **Median Rate Spread:** 0.3086578947368421%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Liberty | 93 | 62 | 82 | 120 | Credit Union |
| 2 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 90 | Independent Mortgage Company |
| 3 | SOUTH CENTRAL BANK, INC. | 86 | 63 | 74 | 86 | Bank |
| 4 | Abound Federal Credit Union | 86 | 91 | 62 | 39 | Credit Union |
| 5 | U.S. Bank National Association | 80 | 75 | 71 | 85 | Bank |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 67 | Independent Mortgage Company |
| 7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 74 | 25 | 90 | 276 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 120 | Independent Mortgage Company |
| 9 | RUOFF MORTGAGE COMPANY, INC. | 73 | 43 | 75 | 63 | Independent Mortgage Company |
| 10 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 36 | Independent Mortgage Company |
| 11 | German American Bank | 73 | 66 | 52 | 30 | Bank |
| 12 | Truist Bank | 73 | 70 | 68 | 21 | Bank |
| 13 | FIRST COMMUNITY MORTGAGE, INC. | 68 | 31 | 89 | 53 | Independent Mortgage Company |
| 14 | Magnolia Bank, Incorporated | 68 | 37 | 82 | 51 | Bank |
| 15 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 45 | Independent Mortgage Company |
| 16 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 26 | Bank |
| 17 | STOCKTON MORTGAGE CORPORATION | 63 | 27 | 70 | 70 | Independent Mortgage Company |
| 18 | Mortgage Research Center, LLC | 63 | 34 | 70 | 51 | Independent Mortgage Company |
| 19 | Independence Bank of Kentucky | 60 | 55 | 53 | 20 | Bank |
| 20 | KIND LENDING, LLC | 58 | 39 | 73 | 21 | Independent Mortgage Company |
| 21 | Morgantown Bank & Trust Company, Incorporated | 49 | 11 | 43 | 72 | Bank |
| 22 | Edmonton State Bank | 46 | 13 | 54 | 55 | Bank |
| 23 | Service One Credit Union, Inc. | 40 | N/A | 37 | 22 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Bowling Green, KY.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.