Safe Rate Rankings

Best Conventional Mortgage Lenders in Owensboro

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 Lenders25

Total Loans1,133

Median Rate Spread0.37%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$905Fees	0.174%Below	54
2	LibertyCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$864Fees	0.295%Above	480
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$737Fees	0.186%Above	61
4	Abound Federal Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	Sound	$384Credit	0.279%Below	11
5	German American BankBank	Strong	Strong	Strong	Strong	Sound	$574Fees	0.038%Below	15
6	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$983Fees	0.563%Above	14
7	Heritage Federal Credit UnionCredit Union	Strong	Strong	Strong	Strong	Sound	$649Fees	0.523%Above	12
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,771Fees	0.553%Above	75
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,364Fees	0.445%Above	74
10	Independence Bank of KentuckyBank	Strong	Sound	Strong	Strong	Strong	$862Fees	0.115%Above	46
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,306Fees	0.471%Above	18
12	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,753Fees	0.281%Above	17
13	SOUTH CENTRAL BANK, INC.Bank	Strong	Sound	Strong	Strong	Sound	$1,114Fees	0.097%Above	17
14	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,331Fees	0.877%Above	16
15	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,887Fees	0.541%Above	12
16	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,115Fees	0.508%Above	57
17	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,318Fees	0.752%Above	23
18	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Strong	Strong	Sound	$1,436Fees	0.655%Above	17
19	Bank of EnglandBank	Sound	Acceptable	Strong	Sound	Sound	$2,406Fees	0.521%Above	17
20	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,531Fees	0.487%Above	14
21	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$4,488Fees	0.538%Above	14

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.