Safe Rate Rankings

Best FHA 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	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,976Fees	0.250%Above	90
3	SOUTH CENTRAL BANK, INC.Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,424Fees	0.252%Above	86
4	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,303Fees	0.190%Above	36
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$729Fees	0.340%Above	85
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,945Fees	0.223%Above	67
7	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,560Fees	0.467%Above	276
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,361Fees	0.448%Above	120
9	German American BankBank	Strong	Strong	Strong	Sound	Strong	$1,460Fees	0.290%Above	30
10	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,881Fees	0.381%Above	53
11	Magnolia Bank, IncorporatedBank	Strong	Sound	Strong	Strong	Strong	$1,072Fees	0.127%Above	51
12	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,472Fees	0.304%Above	45
13	KIND LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,569Fees	0.235%Above	21
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,937Fees	0.261%Above	16
15	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,291Fees	0.473%Above	70
16	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,829Fees	0.372%Above	63
17	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,534Fees	0.507%Above	15
18	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$3,199Fees	0.625%Above	18

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.