# Best Conventional Mortgage Lenders in Bowling Green, KY

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

Compare the top Conventional mortgage lenders in Bowling Green, KY. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 89 | 60 | 80 | 120 | Credit Union |
| 2 | U.S. Bank National Association | 85 | 75 | 69 | 85 | Bank |
| 3 | Abound Federal Credit Union | 85 | 91 | 63 | 39 | Credit Union |
| 4 | German American Bank | 80 | 65 | 62 | 30 | Bank |
| 5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 25 | 80 | 276 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 120 | Independent Mortgage Company |
| 7 | SOUTH CENTRAL BANK, INC. | 79 | 56 | 73 | 86 | Bank |
| 8 | RUOFF MORTGAGE COMPANY, INC. | 79 | 46 | 74 | 63 | Independent Mortgage Company |
| 9 | Truist Bank | 79 | 71 | 69 | 21 | Bank |
| 10 | PNC Bank, National Association | 79 | 75 | 63 | 18 | Bank |
| 11 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 16 | Credit Union |
| 12 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 67 | Independent Mortgage Company |
| 13 | Peoples Bank | 74 | 67 | 73 | 19 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 26 | Bank |
| 15 | FirstBank | 73 | 50 | 75 | 19 | Bank |
| 16 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 16 | Independent Mortgage Company |
| 17 | VANDERBILT MORTGAGE AND FINANCE, INC. | 73 | 45 | 68 | 14 | Independent Mortgage Company |
| 18 | STOCKTON MORTGAGE CORPORATION | 71 | 29 | 65 | 70 | Independent Mortgage Company |
| 19 | FIRST COMMUNITY MORTGAGE, INC. | 71 | 31 | 79 | 53 | Independent Mortgage Company |
| 20 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 45 | Independent Mortgage Company |
| 21 | Independence Bank of Kentucky | 69 | 55 | 66 | 20 | Bank |
| 22 | Magnolia Bank, Incorporated | 67 | 37 | 70 | 51 | Bank |
| 23 | KIND LENDING, LLC | 66 | 31 | 66 | 21 | Independent Mortgage Company |
| 24 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 16 | Independent Mortgage Company |
| 25 | MOVEMENT MORTGAGE, LLC | 66 | 34 | 77 | 15 | Independent Mortgage Company |
| 26 | Wells Fargo Bank, National Association | 66 | 61 | 57 | 11 | Bank |
| 27 | FBC MORTGAGE, LLC | 63 | 36 | 60 | 90 | Independent Mortgage Company |
| 28 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 13 | Independent Mortgage Company |
| 29 | Paramount Residential Mortgage Group, Inc. | 60 | 24 | 60 | 11 | Independent Mortgage Company |
| 30 | Morgantown Bank & Trust Company, Incorporated | 59 | 10 | 82 | 72 | Bank |
| 31 | Edmonton State Bank | 57 | 12 | 65 | 55 | Bank |
| 32 | EVERETT FINANCIAL, INC. | 56 | 13 | 71 | 18 | Independent Mortgage Company |
| 33 | Farm Credit Mid-America, ACA | 49 | 6 | 52 | 16 | Independent Mortgage Company |
| 34 | Service One Credit Union, Inc. | 48 | N/A | 73 | 22 | Credit Union |
| 35 | First Southern National Bank | 41 | 9 | 53 | 11 | Bank |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.