Safe Rate Rankings

Best VA 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.
Total Lenders39
Total Loans1,757
Median Rate Spread0.31%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
FBC MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Exceptional
Exceptional
Exceptional
Strong
$1,976Fees
0.250%Above
90
2
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Exceptional
Strong
$2,945Fees
0.223%Above
67
3
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Strong
$2,303Fees
0.190%Above
36
4
NAVY FEDERAL CREDIT UNIONCredit Union
Exceptional
Exceptional
Exceptional
Sound
Sound
$1,238Fees
0.605%Below
16
5
ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$3,560Fees
0.467%Above
276
6
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$3,361Fees
0.448%Above
120
7
USAA Federal Savings BankBank
Strong
Strong
Exceptional
Sound
Sound
$1,369Fees
0.202%Below
12
8
LibertyCredit Union
Strong
Acceptable
Strong
Strong
Exceptional
$1,170Fees
0.389%Above
120
9
STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,291Fees
0.473%Above
70
10
RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$1,829Fees
0.372%Above
63
11
ROSS MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Sound
$2,898Fees
0.596%Above
13

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.