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Mortgage Lenders and Brokers in Bowling Green, Kentucky

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Bowling Green, Kentucky mortgage lenders include American Bank & Trust Company Inc.American Bank & Trust Company Inc.531 Lovers Ln, Bowling Green, KY 42103A5.0 ★Texas Ratio: 10.95%, US Bank, N.A.US Bank, N.A.810 Lain Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.85%, South Central Bank IncSouth Central Bank Inc3505 Louisville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.83%, Franklin Bank & Trust CompanyFranklin Bank & Trust Company398 Lovers Ln, Bowling Green, KY 42103A5.0 ★Texas Ratio: 6.93%, Farmers Bank and Trust CompanyFarmers Bank and Trust Company2009 Scottsville Rd, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 2.10%, Edmonton State BankEdmonton State Bank2512 Nashville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.16%, Bank of Edmonson CountyBank of Edmonson County6780 Louisville Rd, Bowling Green, KY 42101A5.0 ★Texas Ratio: 12.94%, FirstbankFirstbank5290 Scottsville Rd, Bowling Green, KY 42104A5.0 ★Texas Ratio: 7.51%, Truist BankTruist Bank2750 Nashville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.87%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Bowling Green, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bowling Green are listed first, then lenders elsewhere in Kentucky, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Bowling Green, Kentucky

Market share is the lender's share of all home loans closed in Bowling Green, Kentucky. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
American Bank & Trust Company Inc. 5 offices in Bowling Green 531 Lovers Ln, Bowling Green, KY 42103 A5.0 ★Texas Ratio: 10.95%	Conventional, Jumbo	198	10.7%	96.6%	$229,292	View
US Bank, N.A. 5 offices in Bowling Green 810 Lain Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	74 +47 HELOCs	4%	76.8%	$229,594	View
South Central Bank Inc 5 offices in Bowling Green 3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83%	Conventional, FHA, USDA, Jumbo, HELOC	54 +91 HELOCs	2.9%	91.2%	$280,185	View
Franklin Bank & Trust Company 3 offices in Bowling Green 398 Lovers Ln, Bowling Green, KY 42103 A5.0 ★Texas Ratio: 6.93%	Conventional	41	2.2%	100%	$235,731	View
Farmers Bank and Trust Company 1 office in Bowling Green 2009 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 2.10%	Conventional, Jumbo	39	2.1%	100%	$374,743	View
Edmonton State Bank 2 offices in Bowling Green 2512 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.16%	Conventional, USDA	30	1.6%	67.4%	$268,333	View
Bank of Edmonson County 1 office in Bowling Green 6780 Louisville Rd, Bowling Green, KY 42101 A5.0 ★Texas Ratio: 12.94%	Conventional, Jumbo	29	1.6%	100%	$237,413	View
Firstbank 3 offices in Bowling Green 5290 Scottsville Rd, Bowling Green, KY 42104 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, VA, USDA, Jumbo, HELOC	18 +9 HELOCs	1%	100%	$363,333	View
Truist Bank ★ 1 stars, 1 review 3 offices in Bowling Green 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, HELOC	17 +40 HELOCs	0.9%	94.4%	$249,117	View
JPMorgan Chase Bank, NA 1 office in Bowling Green 924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	17 +1 HELOCs	0.9%	85%	$317,352	View
German American Bank 4 offices in Bowling Green 1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93%	Conventional, FHA, HELOC	16 +49 HELOCs	0.9%	100%	$231,875	View
Independence Bank of Kentucky 2 offices in Bowling Green 1950 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 0.79%	Conventional, Jumbo, HELOC	13 +23 HELOCs	0.7%	68.4%	$322,692	View
Pinnacle Bank 2 offices in Bowling Green 360 E 8th Avenue, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.04%	Conventional, HELOC	10 +8 HELOCs	0.5%	100%	$204,000	View
Service One Credit Union 422 College Heights Blvd, Bowling Green, KY 42101 A5.0 ★Texas Ratio: 10.24%	Conventional	10	0.5%	90.9%	$261,000	View
Morgantown Bank & Trust Co Inc 3 offices in Bowling Green 1848 Morgantown Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.96%	Conventional, Jumbo	10	0.5%	100%	$444,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Bowling Green 1054 Fairview Ave, Bowling Green, KY 42103 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	4 +26 HELOCs	0.2%	66.7%	$257,500	View
Fifth Third Bank, National Association 2 offices in Bowling Green 6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	4 +7 HELOCs	0.2%	100%	$645,000	View
First Financial Bank NA 1 office in Bowling Green 1025 Fairview Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 4.65%	Conventional, HELOC	2 +1 HELOCs	0.1%	75%	$415,000	View
Peoples Bank 1 office in Bowling Green 751 Campbell Ln, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 3.39%	Conventional, HELOC	1 +8 HELOCs	0.1%	50%	$365,000	View
Stock Yards Bank & Trust Company 1 office in Bowling Green 111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99%	HELOC	0 +1 HELOCs	0%	n/a		View
Liberty Federal Credit Union 544 Lovers Ln, Bowling Green, KY 42103	Conventional, FHA, VA, USDA, Jumbo, HELOC	118 +18 HELOCs	6.4%	97.5%	$289,830
Abound Federal Credit Union 2345 Gary Farms Blvd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 3.44%	Conventional, HELOC	54 +60 HELOCs	2.9%	88.7%	$335,740	View
Magnolia Bank 651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97%	Conventional, FHA, VA, USDA	25	1.3%	96.2%	$231,400	View
First Southern National Bank 1214 Ashley Cir, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 3.45%	Conventional, HELOC	14 +8 HELOCs	0.8%	100%	$330,714	View
Monticello Banking Company ★ 5 stars, 1 review 651 Us 31w Byp Ste 212, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 0.91%	Conventional	9	0.5%	90%	$269,444	View
Bank of America NA 520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +4 HELOCs	0.2%	100%	$295,000	View
Wilson & Muir Bank & Trust Company 101 Padgett St, Bardstown, KY 40004 A+4.9 ★Texas Ratio: 2.62%	Conventional	3	0.2%	100%	$358,333	View
Armed Forces Bank, N.A. 131 Gold Vault Rd, Fort Knox, KY 40121 A+5.0 ★Texas Ratio: 4.81%	VA	3	0.2%	100%	$341,666	View
Community Trust Bank, Inc. 6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$125,000	View
L&N Federal Credit Union 1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91%	Conventional	2	0.1%	100%	$560,000	View
First United Bank & Trust Company 1500 Bill Monroe Memorial Boulevard, Beaver Dam, KY 42320 B+4.1 ★Texas Ratio: 2.80%	Conventional, Jumbo	2	0.1%	100%	$840,000	View
Commonwealth Federal Credit Union 417 High St, Frankfort, KY 40601	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$285,000
Regions Bank 507 Main St, Benton, KY 42025 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$185,000	View
Old National Bank 301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$205,000	View
The Cecilian Bank 302 Bypass Rd, Brandenburg, KY 40108 A+5.0 ★Texas Ratio: 2.60%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$525,000	View
Huntington National Bank 2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.1%	100%	$955,000	View
Wesbanco Bank, Inc. 7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo	1	0.1%	100%	$1,045,000	View
Class Act Federal Credit Union 3620 Fern Valley Rd, Louisville, KY 40219 1917	Conventional	1	0.1%	100%	$205,000
Members Heritage CU 3301 Leestown Rd, Lexington, KY 40511 8702 A+5.0 ★Texas Ratio: 4.52%	Conventional	1	0.1%	100%	$435,000	View
Autotruck Financial Credit Union 1475 Campbell Ln, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 3.55%	Conventional	1	0.1%	100%	$35,000	View
Forcht Bank, N.A. 406 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 0.45%	Conventional	1	0.1%	100%	$125,000	View
Planters Bank, Inc. 50 Oak Hts, Dawson Springs, KY 42408 A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.1%	100%	$45,000	View
Republic Bank & Trust 119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91%	Conventional	1	0.1%	100%	$225,000	View
Stockton Mortgage Corporation	Conventional, FHA	37	2%	86.4%	$251,216
Farm Credit Mid-America, Aca	Conventional, Jumbo	4	0.2%	100%	$867,500
Fair Way Lending, LLC	FHA	1	0.1%	100%	$425,000
University of Ky FCU	HELOC	0 +1 HELOCs	0%	n/a
Atlantic Bay Mortgage Group	Conventional, FHA, VA, USDA	142	7.7%	100%	$272,323
Rocket Mortgage	Conventional, FHA, VA, Jumbo	128	6.9%	81.9%	$235,781
First Community Mortgage, Inc.	Conventional, FHA, VA, USDA	103	5.6%	93.4%	$301,310
Union Home Mortgage Corp.	Conventional, FHA, VA, USDA	53	2.9%	98.2%	$328,584
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	42 +1 HELOCs	2.3%	81.8%	$313,809
Acrisure Mortgage, LLC	Conventional, FHA, VA	34	1.8%	91.9%	$315,000
Pennymac Loan Services LLC	Conventional, FHA, VA, USDA	34	1.8%	83.7%	$214,705
Mortgage Research Center	FHA, VA	32	1.7%	68.8%	$314,062
Freedom Mortgage Corporation	Conventional, FHA, VA	27	1.5%	79.5%	$273,518
Newrez LLC	Conventional, FHA, VA, USDA	27	1.5%	69.2%	$294,259
Kind Lending, LLC	Conventional, FHA, VA, USDA	20	1.1%	91.3%	$236,000
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	18 +2 HELOCs	1%	90.9%	$244,444
Nationstar Mortgage	Conventional, FHA, VA	17	0.9%	85%	$156,764
New American Funding, LLC.	Conventional, FHA, VA	14	0.8%	73.7%	$217,857
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	13 +3 HELOCs	0.7%	81.2%	$268,076
loanDepot.com LLC	Conventional, FHA, VA	13	0.7%	86.7%	$201,923
Amerisave Mortgage Company	Conventional, FHA	11	0.6%	42.3%	$96,818
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA	11	0.6%	29.7%	$160,454
Everett Financial, Inc.	Conventional, FHA, VA	10	0.5%	90.9%	$211,000
Bay Equity LLC	Conventional, FHA, USDA	10	0.5%	71.4%	$217,000
Pike Creek Mortgage Services, Inc.	Conventional, FHA	10	0.5%	100%	$315,000
Ross Mortgage Corporation	Conventional, FHA, VA	8	0.4%	88.9%	$406,250
Mutual of Omaha Mortgage	Conventional, FHA, VA	7	0.4%	72.7%	$265,000
Paramount Residential Mortgage	Conventional, FHA, VA, USDA	7	0.4%	100%	$292,142
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	6	0.3%	75%	$336,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	5	0.3%	66.7%	$371,000	View
Planet Home Lending, LLC	Conventional, FHA, VA	5	0.3%	100%	$311,000
Carrington Mortgage Services LLC	Conventional, FHA	5	0.3%	50%	$103,000
Plaza Home Mortgage, Inc	Conventional, FHA	5	0.3%	71.4%	$225,000
Premier Mortgage Resources, LLC	Conventional, FHA	4	0.2%	100%	$247,500
Discover Bank	Conventional	4	0.2%	21.1%	$55,000
SIRVA Mortgage, Inc.	Conventional, VA	4	0.2%	100%	$420,000
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional	4	0.2%	66.7%	$217,500	View
Fairway Independent Mort Corp	Conventional, FHA	4	0.2%	100%	$190,000
Nexera Holding LLC	Conventional	4	0.2%	100%	$265,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	4	0.2%	100%	$210,000
The Loan Store, Inc	Conventional, HELOC	3 +3 HELOCs	0.2%	100%	$195,000
Guaranteed Rate, Inc.	Conventional, FHA, USDA	3	0.2%	75%	$331,666
Primary Residential Mortgage, INC.	FHA, VA	3	0.2%	100%	$268,333
Sage Home Loans Corporation	Conventional	3	0.2%	100%	$438,333
Guidance Residential, LLC	Conventional	3	0.2%	100%	$265,000
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, VA	3	0.2%	100%	$305,000	View
New Day Financial, LLC.	VA	3	0.2%	75%	$381,666
Premier Lending Inc.	Conventional, FHA	3	0.2%	100%	$315,000
Lower, LLC	FHA, VA	3	0.2%	75%	$305,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.2%	60%	$285,000	View
Spring Eq, LLC	Conventional	3	0.2%	75%	$41,666
Leaderone Financial Corp.	FHA, VA	3	0.2%	75%	$215,000
Village Capital & Investment	VA	3	0.2%	90.9%	$231,666
CrossCountry Mortgage, LLC	Conventional, FHA, HELOC	2 +1 HELOCs	0.1%	75%	$310,000
Pentagon Federal Credit Union	Conventional, VA, HELOC	2 +1 HELOCs	0.1%	100%	$565,000
Ruoff Mortgage Company	Conventional	2	0.1%	100%	$210,000
Primelending	Conventional	2	0.1%	66.7%	$195,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.1%	66.7%	$270,000
Guild Mortgage Company	Conventional, FHA	2	0.1%	100%	$200,000
American Financial Network, Inc.	Conventional, USDA	2	0.1%	66.7%	$220,000
Cmg Mortgage Inc	Conventional	2	0.1%	100%	$185,000
Sfmc, LP	Conventional, FHA	2	0.1%	100%	$225,000
Churchill Mortgage Corporation	Conventional	2	0.1%	100%	$160,000
American Pacific Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$340,000
Acopia, LLC	FHA	2	0.1%	100%	$195,000
Mortgage Solutions of Colorado	VA	2	0.1%	100%	$275,000
Endeavor Capital, LLC	Conventional, FHA	2	0.1%	100%	$200,000
Prosperity Home Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$210,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$185,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.1%	100%	$355,000	View
Gershman Investment Corp.	Conventional, FHA	2	0.1%	100%	$135,000
Southwest Funding LP	FHA	2	0.1%	100%	$270,000
HomeBridge Financial Services, Inc	FHA, HELOC	1 +6 HELOCs	0.1%	100%	$225,000
Valon Mortgage	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$135,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$265,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$365,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$205,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$275,000	View
American Financial Resources LLC	Conventional	1	0.1%	100%	$115,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$435,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	1	0.1%	100%	$805,000	View
Gold Star Mortgage Financial Group, Corporation	USDA	1	0.1%	100%	$225,000
Nbkc Bank	Conventional	1	0.1%	50%	$255,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$205,000	View
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$195,000	View
PHH Mortgage Corporation	VA	1	0.1%	50%	$475,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$195,000	View
Resicentral LLC	Conventional	1	0.1%	100%	$275,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$595,000	View
Plus Relocation Mortgage, LLC	Conventional	1	0.1%	100%	$595,000
FirstTrust Home Loans	USDA	1	0.1%	100%	$265,000
Das Acquisition Company, LLC	Conventional	1	0.1%	100%	$155,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$285,000
Kemba Credit Union A+5.0 ★Texas Ratio: 2.56%	Conventional	1	0.1%	100%	$615,000	View
Click n' Close, Inc.	FHA	1	0.1%	100%	$275,000
Weichert Financial Services	Conventional	1	0.1%	100%	$325,000
Cardinal Financial Company, Li	FHA	1	0.1%	50%	$285,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$355,000
American Federal Bank A+5.0 ★Texas Ratio: 0.00%	VA	1	0.1%	100%	$235,000	View
Servis One, Inc A5.0 ★Texas Ratio: 10.24%	VA	1	0.1%	100%	$235,000	View
First Commonwealth Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$805,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$245,000	View
T2 Financial LLC	Conventional	1	0.1%	100%	$125,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$245,000
The Farmers Bank	Conventional	1	0.1%	100%	$55,000
Simmons Bank A+5.0 ★Texas Ratio: 5.33%	Conventional	1	0.1%	100%	$345,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$365,000	View
Union Savings Bank	Conventional	1	0.1%	100%	$715,000
Southstate Bank, National Association ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 2.27%	Conventional	1	0.1%	100%	$125,000	View
Mission Loans, LLC	Conventional	1	0.1%	100%	$265,000
Towne Mortgage Company	Conventional	1	0.1%	100%	$465,000
Better Mortgage Corporation	Conventional	1	0.1%	100%	$245,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$185,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$745,000	View
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$75,000
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$345,000
The State Bank & Trust Company A+5.0 ★Texas Ratio: 1.99%	Conventional	1	0.1%	100%	$195,000	View
Right Start Mortgage, Inc	FHA	1	0.1%	100%	$255,000
Mortgage Investors Group	Conventional	1	0.1%	100%	$515,000
21St Mortgage	Conventional	1	0.1%	20%	$235,000
Reliance First Capital, LLC	FHA	1	0.1%	100%	$225,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$675,000	View
Volunteer Bank A+5.0 ★Texas Ratio: 3.34%	Conventional	1	0.1%	100%	$105,000	View
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$205,000
The Union Bank Company A+5.0 ★Texas Ratio: 0.68%	Conventional	1	0.1%	100%	$365,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$85,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +19 HELOCs	0%	0%		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +2 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +2 HELOCs	0%	n/a
Fortera Federal Credit Union A+5.0 ★Texas Ratio: 3.76%	HELOC	0 +2 HELOCs	0%	50%
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	HELOC	0 +2 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Elements Financial Federal Cre	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Atlanta Postal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Bowling Green Mortgage Rate Trends

Daily average mortgage rates for Kentucky compared with the national average, updated every evening.

30-Year Fixed KY Avg

7.451%

▲ 0.163 vs 7 days ago

15-Year Fixed KY Avg

6.969%

▲ 0.054 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Bowling Green, Kentucky

Looking for mortgage lenders near me or mortgage brokers near me in Bowling Green? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bowling Green in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Bowling Green, KY

Use these to narrow the list above. Each category shows how many Bowling Green, KY lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 93 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 71 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 16 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 62 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 39 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 17 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 16 lenders. Loans above the conforming limit for higher priced homes Local lenders based in KY 31 lenders headquartered in Kentucky, the closest thing to a mortgage lender near you

Who Lends in Bowling Green, KY

Independent mortgage companies closed 46 percent of home loans in Bowling Green, Kentucky in 2025, banks 43 percent and credit unions 11 percent. Stockton Mortgage Corporation was the largest mortgage company, American Bank & Trust Company Inc. the largest bank and Service One Credit Union the largest credit union. Among lenders headquartered in Kentucky, American Bank & Trust Company Inc. led with 198 loans.

46%

Mortgage companies

43%

Banks

11%

Credit unions

19%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Attorneys customarily handle closings in Kentucky. State deed transfer tax of $0.50 per $500 of value (0.1 percent), paid by the seller (KRS 142.050); no mortgage recording tax.

More Kentucky Mortgage Lender Pages

All Kentucky lenders 667 lenders Louisville/Jefferson County metro government 270 lenders Lexington-Fayette 258 lenders Louisville 219 lenders Elizabethtown 134 lenders Georgetown 158 lenders Owensboro 115 lenders Richmond 143 lenders Florence 132 lenders Independence 129 lenders Nicholasville 145 lenders Hopkinsville 94 lenders Bardstown 127 lenders

Frequently Asked Questions About Mortgage Lenders in Bowling Green, KY

Who is the largest mortgage lender in Bowling Green, KY?

By home loans closed in 2025, American Bank & Trust Company Inc. was the largest mortgage lender in Bowling Green, Kentucky with 198 loans, about 10.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Bowling Green, KY have the highest approval rates?

Among lenders with meaningful volume in Bowling Green, Kentucky, Atlantic Bay Mortgage Group approved the highest share of completed applications in 2025 at 100 percent, against a 86.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Bowling Green, KY mortgage lenders offer FHA, VA and USDA loans?

62 lenders closed FHA loans in Bowling Green, Kentucky in 2025, led by Atlantic Bay Mortgage Group with 52. 39 lenders closed VA loans, led by Mortgage Research Center, and 17 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Bowling Green, KY lender list?

Yes. 71 banks and 16 credit unions closed home loans in Bowling Green, Kentucky in 2025, alongside 93 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Bowling Green, KY ranked on this page?

Lenders are ranked only by the number of home loans they closed in Bowling Green, Kentucky during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bowling Green, Kentucky for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bowling Green. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.