# Best Mortgage Lenders in Owensboro, KY

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

Compare the top mortgage lenders in Owensboro, KY. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/owensboro-ky/best-mortgage-lenders


> **📋 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:** 25
- **Total Loans:** 1,133
- **Median Rate Spread:** 0.3678%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Liberty | 93 | 62 | 82 | 480 | Credit Union |
| 2 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 57 | Independent Mortgage Company |
| 3 | Old National Bank | 86 | 84 | 70 | 54 | Bank |
| 4 | U.S. Bank National Association | 80 | 75 | 71 | 61 | Bank |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 74 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 75 | Independent Mortgage Company |
| 7 | Independence Bank of Kentucky | 66 | 55 | 53 | 46 | Bank |
| 8 | Mortgage Research Center, LLC | 58 | 34 | 70 | 33 | Independent Mortgage Company |
| 9 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 23 | Independent Mortgage Company |

## 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 Owensboro, 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.