Mortgage lending in Bowling Green, KY
4,288 mortgages were originated in the Bowling Green, KY area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,288
- Median rate
- 6.625%
- Median lender fees
- $4,918
- Median loan amount
- $205,000
- Median spread over APOR
- 0.270
- Paid discount points
- 32.1%
- Received lender credits
- 19.4%
- Purchases / refinances
- 53% / 32.2%
- Conventional / FHA / VA
- 75.7% / 15% / 7.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 61.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Bowling Green, KY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| SOUTH CENTRAL BANK, INC. | 328 | $3,092 | 7.433% |
| American Bank & Trust Company, Inc. | 263 | — | — |
| Rocket Mortgage, LLC | 252 | $4,898 | 6.625% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 213 | $8,222 | 6.375% |
| Liberty | 195 | $4,128 | 6.500% |
| U.S. Bank National Association | 190 | $3,701 | 7.563% |
| Abound Federal Credit Union | 171 | $2,981 | 7.000% |
| FIRST COMMUNITY MORTGAGE, INC. | 140 | $7,607 | 6.563% |
| Morgantown Bank & Trust Company, Incorporated | 115 | $1,685 | 6.950% |
| German American Bank | 112 | — | 7.000% |