Safe Rate Rankings

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.