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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Liberty | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,170 | +0.389% | 120 | |
2 | Abound Federal Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | -$266 | -0.266% | 39 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $729 | +0.340% | 85 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,238 | -0.605% | 16 | |
5 | German American Bank | Exceptional | Strong | Strong | Strong | Strong | $1,460 | +0.290% | 30 | |
6 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,414 | +0.017% | 21 | |
7 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $311 | +0.224% | 18 | |
8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,560 | +0.467% | 276 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,361 | +0.448% | 120 | |
10 | SOUTH CENTRAL BANK, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,424 | +0.252% | 86 | |
11 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,829 | +0.372% | 63 | |
12 | Peoples Bank | Strong | Strong | Strong | Strong | Sound | $1,023 | +0.555% | 19 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,945 | +0.223% | 67 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,857 | +0.213% | 26 | |
15 | FirstBank | Strong | Sound | Exceptional | Strong | Sound | $2,244 | +0.592% | 19 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,937 | +0.261% | 16 | |
17 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,099 | -0.155% | 14 | |
18 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Acceptable | $2,873 | +0.051% | 11 | |
19 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,291 | +0.473% | 70 | |
20 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,881 | +0.381% | 53 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.304% | 45 | |
22 | Independence Bank of Kentucky | Strong | Sound | Strong | Strong | Sound | $843 | +0.280% | 20 | |
23 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Strong | $1,072 | +0.127% | 51 | |
24 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,569 | +0.235% | 21 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,308 | +0.468% | 16 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,534 | +0.507% | 15 | |
27 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,976 | +0.250% | 90 | |
28 | Morgantown Bank & Trust Company, Incorporated | Strong | Mediocre | Sound | Exceptional | Exceptional | $472 | +0.787% | 72 | |
29 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,054 | +0.707% | 13 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Acceptable | $5,020 | +0.450% | 11 | |
31 | Edmonton State Bank | Sound | Mediocre | Strong | Strong | Strong | $1,993 | +0.573% | 55 | |
32 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,199 | +0.625% | 18 | |
33 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Sound | $4,670 | +0.755% | 16 | |
34 | First Southern National Bank | Sound | Mediocre | Acceptable | Sound | Sound | $1,552 | +0.221% | 11 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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Bowling Green, KYConventional
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