Safe Rate Rankings

Best All Lender Mortgage Lenders in Bowling Green

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders39

Total Loans1,757

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	LibertyCredit Union	Exceptional	Strong	Exceptional	Exceptional	$1,170Fees	0.389%Above	120
2	Abound Federal Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	$266Credit	0.266%Below	39
3	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$1,976Fees	0.250%Above	90
4	SOUTH CENTRAL BANK, INC.Bank	Exceptional	Strong	Strong	Exceptional	$1,424Fees	0.252%Above	86
5	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$729Fees	0.340%Above	85
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,945Fees	0.223%Above	67
7	German American BankBank	Strong	Strong	Sound	Strong	$1,460Fees	0.290%Above	30
8	Truist BankBank	Strong	Strong	Strong	Sound	$1,414Fees	0.017%Above	21
9	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,560Fees	0.467%Above	276
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,361Fees	0.448%Above	120
11	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,829Fees	0.372%Above	63
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,303Fees	0.190%Above	36
13	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,881Fees	0.381%Above	53
14	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Exceptional	Strong	$1,072Fees	0.127%Above	51
15	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,472Fees	0.304%Above	45
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,857Fees	0.213%Above	26
17	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,291Fees	0.473%Above	70
18	Independence Bank of KentuckyBank	Strong	Sound	Sound	Sound	$843Fees	0.280%Above	20
19	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,569Fees	0.235%Above	21
20	Morgantown Bank & Trust Company, IncorporatedBank	Sound	Mediocre	Sound	Exceptional	$472Fees	0.787%Above	72
21	Edmonton State BankBank	Sound	Mediocre	Sound	Strong	$1,993Fees	0.573%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.