# Best Conventional Mortgage Lenders in Owensboro, KY

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

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

> **Canonical URL:** https://saferate.com/owensboro-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:** 25
- **Total Loans:** 1,133
- **Median Rate Spread:** 0.3678%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Liberty | 89 | 60 | 80 | 480 | Credit Union |
| 2 | Old National Bank | 89 | 84 | 69 | 54 | Bank |
| 3 | U.S. Bank National Association | 85 | 75 | 69 | 61 | Bank |
| 4 | Abound Federal Credit Union | 79 | 91 | 63 | 11 | Credit Union |
| 5 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 75 | Independent Mortgage Company |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 74 | Independent Mortgage Company |
| 7 | Independence Bank of Kentucky | 74 | 55 | 66 | 46 | Bank |
| 8 | German American Bank | 74 | 65 | 62 | 15 | Bank |
| 9 | Heritage Federal Credit Union | 74 | 62 | 76 | 12 | Credit Union |
| 10 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 18 | Bank |
| 11 | RUOFF MORTGAGE COMPANY, INC. | 73 | 46 | 74 | 17 | Independent Mortgage Company |
| 12 | Fifth Third Bank, National Association | 73 | 61 | 60 | 14 | Bank |
| 13 | SOUTH CENTRAL BANK, INC. | 69 | 56 | 73 | 17 | Bank |
| 14 | LOWER, LLC | 66 | 33 | 66 | 16 | Independent Mortgage Company |
| 15 | LEADERONE FINANCIAL CORPORATION | 66 | 24 | 66 | 12 | Independent Mortgage Company |
| 16 | FBC MORTGAGE, LLC | 63 | 36 | 60 | 57 | Independent Mortgage Company |
| 17 | Magnolia Bank, Incorporated | 63 | 37 | 70 | 17 | Bank |
| 18 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 23 | Independent Mortgage Company |
| 19 | Bank of England | 58 | 28 | 51 | 17 | Bank |
| 20 | CHURCHILL MORTGAGE CORPORATION | 56 | 19 | 62 | 14 | Independent Mortgage Company |
| 21 | Farm Credit Mid-America, ACA | 49 | 6 | 52 | 14 | 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. **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.