BOWLING GREEN Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Bowling Green averaged
7.12%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.18% and
one month ago for the week of 2026-10-01, the
average rate was 7.32%.
Bowling Green's average rate one year ago was 6.41%.
For refis of the same type during the week of 2026-11-05, the average rate
was 6.94%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Bowling Green 30 Year Fixed Rate | 2026-11-05 | 7.12% |
| Bowling Green 30 Year Fixed Rate Refi | 2026-11-05 | 6.94% |
| Bowling Green 15 Year Fixed Rate | 2026-11-05 | 6.57% |
| Bowling Green 15 Year Fixed Rate Refi | 2026-11-05 | 6.47% |
| Bowling Green 30 Year FHA | 2026-11-05 | 6.77% |
| Bowling Green 30 Year FHA Refi | 2026-11-05 | 6.61% |
| Bowling Green 30 Year USDA | 2026-11-05 | 6.76% |
| Bowling Green 30 Year USDA Refi | 2026-11-05 | 7.2% |
| Bowling Green 30 Year VA | 2026-11-05 | 6.88% |
| Bowling Green 30 Year VA Refi | 2026-11-05 | 6.12% |
BOWLING GREEN Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BOWLING GREEN, KY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
BOWLING GREEN Average Closing Costs & Other Stats
BOWLING GREEN, KY's 138 lenders originated 4,287
loans during 2025. The total origination value was $1,241,445,000, with an average loan value of
$289,584.
BOWLING GREEN's average closing costs are $4,865.
The top BOWLING GREEN lender as defined by loan originations is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with
94 loans originated. Their average total fees are
$6,671, which is $2,371
higher than the next largest lender,
EVANSVILLE TEACHERS.
The lowest fee BOWLING GREEN lenders (with over 10 loans originated) are
Morgantown Bank & Trust Company, Incorporated ($2,135), Abound Federal Credit Union ($3,168), SOUTH CENTRAL BANK, INC. ($3,205), JPMorgan Chase Bank ($3,361) and Pinnacle Bank ($3,457).
The lowest rate BOWLING GREEN lenders (with over 10 loans originated) are
Abound Federal Credit Union (5.86%), Truist (6.36%), SOUTH CENTRAL BANK, INC. (6.36%), UNION HOME MORTGAGE CORP. (6.37%) and Pinnacle Bank (6.38%).
BOWLING GREEN, KY Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| American Bank & Trust Company, Inc. | $52,565,000 | $104,195,000 | 98.2% | 8.4% |
| SOUTH CENTRAL BANK, INC. | $47,125,000 | $64,870,000 | 37.7% | 5.2% |
| ORIX REAL ESTATE CAPITAL, LLC | $28,465,000 | $56,635,000 | 99.0% | 4.6% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $74,725,000 | $54,075,000 | -27.6% | 4.4% |
| PNC Bank | $9,955,000 | $53,865,000 | 441.1% | 4.3% |
| QUICKEN LOANS, LLC | $29,355,000 | $52,420,000 | 78.6% | 4.2% |
| EVANSVILLE TEACHERS | $38,865,000 | $51,215,000 | 31.8% | 4.1% |
| WALKER & DUNLOP, LLC | $41,875,000 | n/a | 3.4% | |
| FIRST COMMUNITY MORTGAGE, INC. | $15,440,000 | $40,330,000 | 161.2% | 3.2% |
| Abound Federal Credit Union | $21,915,000 | $34,505,000 | 57.4% | 2.8% |
| U.S. Bank | $29,235,000 | $31,090,000 | 6.3% | 2.5% |
| Edmonton State Bank | $28,360,000 | $30,765,000 | 8.5% | 2.5% |
| Bank of Edmonson County | $23,710,000 | $28,280,000 | 19.3% | 2.3% |
| Franklin Bank & Trust Company | $15,115,000 | $27,885,000 | 84.5% | 2.2% |
| Independence Bank of Kentucky | $21,280,000 | $27,530,000 | 29.4% | 2.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $20,620,000 | $24,450,000 | 18.6% | 2.0% |
| UNION HOME MORTGAGE CORP. | $13,640,000 | $24,320,000 | 78.3% | 2.0% |
| German American Bank | $25,660,000 | $23,620,000 | -8.0% | 1.9% |
| Morgantown Bank & Trust Company, Incorporated | $27,060,000 | $23,375,000 | -13.6% | 1.9% |
| FBC MORTGAGE, LLC | $31,090,000 | $22,025,000 | -29.2% | 1.8% |
| Mortgage Research Center, LLC | $16,410,000 | $20,325,000 | 23.9% | 1.6% |
| FirstBank | $8,720,000 | $19,230,000 | 120.5% | 1.5% |
| STOCKTON MORTGAGE CORPORATION | $17,835,000 | $18,390,000 | 3.1% | 1.5% |
| Farmers Bank and Trust Company | $16,975,000 | $18,385,000 | 8.3% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $11,420,000 | $14,350,000 | 25.7% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $4,630,000 | $13,045,000 | 181.7% | 1.1% |
| Truist | $9,795,000 | $12,685,000 | 29.5% | 1.0% |
| NEWREZ LLC | $4,520,000 | $11,295,000 | 149.9% | 0.9% |
| First Southern National Bank | $17,885,000 | $11,255,000 | -37.1% | 0.9% |
| Magnolia Bank | $14,515,000 | $11,220,000 | -22.7% | 0.9% |
| Farm Credit Mid-America, ACA | $6,445,000 | $9,605,000 | 49.0% | 0.8% |
| The Cecilian Bank | $5,105,000 | $9,105,000 | 78.4% | 0.7% |
| JPMorgan Chase Bank | $7,215,000 | $8,200,000 | 13.7% | 0.7% |
| Century Mortgage Company DBA Century Lending Company | $6,125,000 | $8,135,000 | 32.8% | 0.7% |
| The Monticello Banking Company | $3,750,000 | $7,380,000 | 96.8% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $4,575,000 | $6,870,000 | 50.2% | 0.6% |
| Pinnacle Bank | $32,885,000 | $6,730,000 | -79.5% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $5,720,000 | $6,620,000 | 15.7% | 0.5% |
| Arbor Realty Trust, Inc. | $6,295,000 | n/a | 0.5% | |
| ROSS MORTGAGE CORPORATION | $3,740,000 | $5,735,000 | 53.3% | 0.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $6,115,000 | $5,625,000 | -8.0% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,260,000 | $4,945,000 | 16.1% | 0.4% |
| DHI MORTGAGE COMPANY, LTD. | $4,905,000 | n/a | 0.4% | |
| GREYSTONE SERVICING COMPANY LLC | $4,715,000 | n/a | 0.4% | |
| BROKER SOLUTIONS, INC. | $3,755,000 | $4,610,000 | 22.8% | 0.4% |
| SERVICE ONE | $7,145,000 | $4,540,000 | -36.5% | 0.4% |
| BAY EQUITY LLC | $970,000 | $4,285,000 | 341.8% | 0.3% |
| COMMONWEALTH | $220,000 | $4,260,000 | 1,836.4% | 0.3% |
| EVERETT FINANCIAL, INC. | $4,490,000 | $4,005,000 | -10.8% | 0.3% |
| LOANDEPOT.COM, LLC | $4,245,000 | $3,815,000 | -10.1% | 0.3% |
| Fifth Third Bank | $575,000 | $3,685,000 | 540.9% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,035,000 | $3,340,000 | 64.1% | 0.3% |
| Forcht Bank | $1,865,000 | $3,215,000 | 72.4% | 0.3% |
| PIKE CREEK MORTGAGE SERVICES, INC. | $3,150,000 | n/a | 0.3% | |
| USAA Federal Savings Bank | $2,970,000 | $2,890,000 | -2.7% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $3,365,000 | $2,885,000 | -14.3% | 0.2% |
| Citizens Bank | $885,000 | $2,805,000 | 216.9% | 0.2% |
| Peoples Bank | $735,000 | $2,775,000 | 277.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,045,000 | $2,765,000 | 164.6% | 0.2% |
| The Loan Store, Inc. | $395,000 | $2,585,000 | 554.4% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $315,000 | $2,260,000 | 617.5% | 0.2% |
| L & N Federal Credit Union | $690,000 | $2,250,000 | 226.1% | 0.2% |
| ACOPIA, LLC | $2,050,000 | $2,235,000 | 9.0% | 0.2% |
| Carrington Mortgage Services, LLC | $1,270,000 | $2,210,000 | 74.0% | 0.2% |
| First Financial Bank | $465,000 | $2,210,000 | 375.3% | 0.2% |
| SIRVA MORTGAGE, INC. | $1,705,000 | $2,115,000 | 24.0% | 0.2% |
| PLANET HOME LENDING, LLC | $480,000 | $2,045,000 | 326.0% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $570,000 | $2,015,000 | 253.5% | 0.2% |
| The Park National Bank | $1,955,000 | n/a | 0.2% | |
| Bank of America | $1,180,000 | $1,855,000 | 57.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,300,000 | $1,845,000 | 41.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,925,000 | $1,680,000 | -12.7% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,180,000 | $1,620,000 | -25.7% | 0.1% |
| CMG MORTGAGE, INC. | $1,470,000 | $1,600,000 | 8.8% | 0.1% |
| Regions Bank | $1,475,000 | $1,575,000 | 6.8% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $520,000 | $1,470,000 | 182.7% | 0.1% |
| Stock Yards Bank & Trust Company | $56,305,000 | $1,430,000 | -97.5% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,825,000 | $1,420,000 | -49.7% | 0.1% |
| Wilson & Muir Bank & Trust Company | $845,000 | $1,415,000 | 67.5% | 0.1% |
| Prosperity Home Mortgage, LLC | $1,345,000 | $1,395,000 | 3.7% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,150,000 | $1,385,000 | 20.4% | 0.1% |
| The Huntington National Bank | $2,405,000 | $1,375,000 | -42.8% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $990,000 | $1,360,000 | 37.4% | 0.1% |
| Northpointe Bank | $2,240,000 | $1,340,000 | -40.2% | 0.1% |
| Macon Bank and Trust Company | $1,450,000 | $1,330,000 | -8.3% | 0.1% |
| PREMIER LENDING, INC. | $1,320,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $1,070,000 | $1,315,000 | 22.9% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,315,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $685,000 | $1,290,000 | 88.3% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $1,420,000 | $1,285,000 | -9.5% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $655,000 | $1,275,000 | 94.7% | 0.1% |
| GUARANTEED RATE, INC. | $1,505,000 | $1,220,000 | -18.9% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $395,000 | $1,175,000 | 197.5% | 0.1% |
| Wells Fargo Bank | $2,530,000 | $1,170,000 | -53.8% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $485,000 | $1,165,000 | 140.2% | 0.1% |
| WesBanco | $650,000 | $1,150,000 | 76.9% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,165,000 | $1,070,000 | -8.2% | 0.1% |
| NEXERA HOLDING LLC | $215,000 | $1,060,000 | 393.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $685,000 | $1,035,000 | 51.1% | 0.1% |
| Armed Forces Bank | $1,025,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $460,000 | $1,020,000 | 121.7% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,445,000 | $990,000 | -31.5% | 0.1% |
| Citizens Bank of Lafayette | $765,000 | $940,000 | 22.9% | 0.1% |
| PREMIA MORTGAGE, LLC | $465,000 | $925,000 | 98.9% | 0.1% |
| Renasant Bank | $1,595,000 | $915,000 | -42.6% | 0.1% |
| MORTGAGE ACCESS CORP. | $910,000 | n/a | 0.1% | |
| INTERLINC MORTGAGE SERVICES, LLC | $1,005,000 | $905,000 | -10.0% | 0.1% |
| Plains Commerce Bank | $325,000 | $895,000 | 175.4% | 0.1% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $340,000 | $880,000 | 158.8% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $480,000 | $875,000 | 82.3% | 0.1% |
| A&D Mortgage LLC | $845,000 | n/a | 0.1% | |
| Charles Schwab Bank, SSB | $805,000 | n/a | 0.1% | |
| First Commonwealth Bank | $805,000 | n/a | 0.1% | |
| GUIDANCE RESIDENTIAL, LLC | $315,000 | $795,000 | 152.4% | 0.1% |
| Community Trust Bank, Inc. | $410,000 | $775,000 | 89.0% | 0.1% |
| The Farmers Bank | $1,885,000 | $775,000 | -58.9% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $265,000 | $755,000 | 184.9% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $465,000 | $755,000 | 62.4% | 0.1% |
| PHH Mortgage Corporation | $290,000 | $750,000 | 158.6% | 0.1% |
| Raymond James Bank | $745,000 | n/a | 0.1% | |
| Union Savings Bank | $385,000 | $715,000 | 85.7% | 0.1% |
| Morgan Stanley Private Bank | $1,410,000 | $710,000 | -49.6% | 0.1% |
| SFMC, LP | $695,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $430,000 | $660,000 | 53.5% | 0.1% |
| Coastal Community Bank | $455,000 | $650,000 | 42.9% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $730,000 | $635,000 | -13.0% | 0.1% |
| Old National Bank | $2,545,000 | $620,000 | -75.6% | 0.0% |
| KEMBA CREDIT UNION, INC. | $615,000 | n/a | 0.0% | |
| UBS Bank USA | $615,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $610,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $610,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $17,160,000 | $605,000 | -96.5% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $845,000 | $600,000 | -29.0% | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | $245,000 | $595,000 | 142.9% | 0.0% |
| SeaTrust Mortgage Company | $575,000 | $595,000 | 3.5% | 0.0% |
| Orion Federal Credit Union | $575,000 | n/a | 0.0% | |
| First Federal Bank | $560,000 | n/a | 0.0% | |
| First Harrison Bank | $545,000 | n/a | 0.0% | |
| FirstTrust Home Loans, Inc. | $545,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $540,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $190,000 | $540,000 | 184.2% | 0.0% |
| First Savings Bank | $525,000 | n/a | 0.0% | |
| NBKC BANK | $1,270,000 | $520,000 | -59.1% | 0.0% |
| ASCEND FEDERAL CREDIT UNION | $295,000 | $515,000 | 74.6% | 0.0% |
| Strong Home Mortgage, LLC | $515,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $600,000 | $485,000 | -19.2% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $1,470,000 | $475,000 | -67.7% | 0.0% |
| CARDINAL FINANCIAL | $880,000 | $460,000 | -47.7% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $460,000 | n/a | 0.0% | |
| Legends Bank | $460,000 | n/a | 0.0% | |
| Ixonia Bank | $320,000 | $455,000 | 42.2% | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | $450,000 | n/a | 0.0% | |
| OCMBC, INC. | $450,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $710,000 | $445,000 | -37.3% | 0.0% |
| MEMBERS HERITAGE Credit Union | $435,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $430,000 | n/a | 0.0% | |
| FAIR WAY LENDING LLC | $425,000 | n/a | 0.0% | |
| Discover Bank | $1,130,000 | $415,000 | -63.3% | 0.0% |
| Banterra Bank | $410,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $420,000 | $410,000 | -2.4% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $215,000 | $405,000 | 88.4% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $840,000 | $400,000 | -52.4% | 0.0% |
| GUILD MORTGAGE COMPANY | $175,000 | $400,000 | 128.6% | 0.0% |
| ZILLOW HOME LOANS, LLC | $235,000 | $395,000 | 68.1% | 0.0% |
| Equity Prime Mortgage LLC | $845,000 | $390,000 | -53.8% | 0.0% |
| Traditional Bank, Inc. | $375,000 | n/a | 0.0% | |
| Beeline Loans, Inc. | $370,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $205,000 | $370,000 | 80.5% | 0.0% |
| First National Bank of America | $250,000 | $370,000 | 48.0% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $155,000 | $370,000 | 138.7% | 0.0% |
| Arvest Bank | $960,000 | $365,000 | -62.0% | 0.0% |
| First Federal Savings and Loan Association of Lakewood | $365,000 | n/a | 0.0% | |
| The Union Bank Company | $365,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $210,000 | $360,000 | 71.4% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $355,000 | n/a | 0.0% | |
| Simmons Bank | $345,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $340,000 | n/a | 0.0% | |
| Figure Lending LLC | $35,000 | $340,000 | 871.4% | 0.0% |
| GERSHMAN INVESTMENT CORP. | $315,000 | n/a | 0.0% | |
| Fortera Federal Credit Union | $440,000 | $310,000 | -29.5% | 0.0% |
| ARC HOME LLC | $305,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $1,065,000 | $300,000 | -71.8% | 0.0% |
| NFM, INC. | $495,000 | $295,000 | -40.4% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $285,000 | n/a | 0.0% | |
| NEW WAVE LENDING GROUP INC | $285,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $520,000 | $275,000 | -47.1% | 0.0% |
| FIELD & MAIN BANK, INC. | $275,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $275,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $265,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $215,000 | $245,000 | 14.0% | 0.0% |
| American Federal Bank | $235,000 | n/a | 0.0% | |
| Ameris Bank | $500,000 | $235,000 | -53.0% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $265,000 | $225,000 | -15.1% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $1,080,000 | $225,000 | -79.2% | 0.0% |
| Republic Bank & Trust Company | $25,000 | $225,000 | 800.0% | 0.0% |
| First United Bank and Trust Company | $215,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $240,000 | $210,000 | -12.5% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $210,000 | n/a | 0.0% | |
| CLASS ACT FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| KeyBank | $205,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $850,000 | $195,000 | -77.1% | 0.0% |
| M&T Bank | $195,000 | n/a | 0.0% | |
| The State Bank and Trust Company | $195,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $920,000 | $185,000 | -79.9% | 0.0% |
| DAS Acquisition Company, LLC | $155,000 | n/a | 0.0% | |
| KEYPOINT | $145,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $400,000 | $140,000 | -65.0% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $225,000 | $135,000 | -40.0% | 0.0% |
| United Southern Bank | $135,000 | n/a | 0.0% | |
| UNIVERSITY OF KENTUCKY | $80,000 | $130,000 | 62.5% | 0.0% |
| Bank of Buffalo | $35,000 | $125,000 | 257.1% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $125,000 | n/a | 0.0% | |
| South State Bank | $125,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $125,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $125,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $240,000 | $115,000 | -52.1% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $440,000 | $105,000 | -76.1% | 0.0% |
| Nations Lending Corporation | $360,000 | $105,000 | -70.8% | 0.0% |
| Volunteer State Bank | $305,000 | $105,000 | -65.6% | 0.0% |
| The Lincoln National Bank of Hodgenville | $840,000 | $95,000 | -88.7% | 0.0% |
| CSL Financial, LLC | $55,000 | $85,000 | 54.5% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $75,000 | n/a | 0.0% | |
| Citibank | $65,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $135,000 | $55,000 | -59.3% | 0.0% |
| Elements Financial Federal Credit Union | $165,000 | $55,000 | -66.7% | 0.0% |
| Guardian Savings Bank, A Federal Savings Bank | $225,000 | $55,000 | -75.6% | 0.0% |
| Planters Bank, Inc. | $225,000 | $45,000 | -80.0% | 0.0% |
| PARK COMMUNITY CREDIT UNION, INC. | $35,000 | n/a | 0.0% | |
| The Sacramento Deposit Bank | $25,000 | $35,000 | 40.0% | 0.0% |
BOWLING GREEN's top lender by overall market share is American Bank & Trust Company, Inc., with 8.4% market share. In second place, with 5.2%, is SOUTH CENTRAL BANK, INC., having originated $64,870,000 in loans. In third place, with 4.6%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $56,635,000 in loans. In fourth place, with 4.4%, is ATLANTIC BAY MORTGAGE GROUP, L.L.C., having originated $54,075,000 in loans. In fifth place, with 4.3%, is PNC Bank, having originated $53,865,000 in loans.
BOWLING GREEN Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - BOWLING GREEN (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $227,450 (1.1%) | $292,287 (2.2%) | 0.84 | 571 |
| 2018-02-01 | $236,975 (2.0%) | $295,081 (-0.7%) | 0.86 | 558 |
| 2018-03-01 | $239,900 (-3.6%) | $292,594 (-3.2%) | 0.84 | 572 |
| 2018-04-01 | $239,900 (-1.5%) | $298,862 (-0.2%) | 0.81 | 589 |
| 2018-05-01 | $241,331 (-2.2%) | $302,945 (-0.2%) | 0.81 | 627 |
| 2018-06-01 | $255,000 (0.5%) | $309,629 (-0.4%) | 0.85 | 640 |
| 2018-07-01 | $267,100 (6.9%) | $319,404 (6.5%) | 0.89 | 656 |
| 2018-08-01 | $269,925 (8.0%) | $322,802 (5.9%) | 0.90 | 694 |
| 2018-09-01 | $264,900 (10.4%) | $318,081 (4.2%) | 0.89 | 715 |
| 2018-10-01 | $257,450 (8.5%) | $308,641 (1.1%) | 0.87 | 753 |
| 2018-11-01 | $249,900 (9.0%) | $300,328 (0.7%) | 0.85 | 778 |
| 2018-12-01 | $249,900 (13.6%) | $303,014 (4.5%) | 0.86 | 746 |
| 2019-01-01 | $254,875 (12.1%) | $305,582 (4.6%) | 0.88 | 660 |
| 2019-02-01 | $258,400 (9.0%) | $306,360 (3.8%) | 0.87 | 682 |
| 2019-03-01 | $264,186 (10.1%) | $312,771 (6.9%) | 0.86 | 681 |
| 2019-04-01 | $266,710 (11.2%) | $313,765 (5.0%) | 0.85 | 701 |
| 2019-05-01 | $269,900 (11.8%) | $313,896 (3.6%) | 0.84 | 741 |
| 2019-06-01 | $269,900 (5.8%) | $308,772 (-0.3%) | 0.84 | 761 |
| 2019-07-01 | $260,552 (-2.5%) | $299,686 (-6.2%) | 0.82 | 788 |
| 2019-08-01 | $253,536 (-6.1%) | $293,867 (-9.0%) | 0.80 | 790 |
| 2019-09-01 | $251,491 (-5.1%) | $289,566 (-9.0%) | 0.80 | 795 |
| 2019-10-01 | $249,900 (-2.9%) | $287,992 (-6.7%) | 0.81 | 806 |
| 2019-11-01 | $249,700 (-0.1%) | $291,097 (-3.1%) | 0.82 | 820 |
| 2019-12-01 | $249,900 (0.0%) | $299,345 (-1.2%) | 0.83 | 688 |
| 2020-01-01 | $251,400 (-1.4%) | $299,400 (-2.0%) | 0.84 | 629 |
| 2020-02-01 | $259,900 (0.6%) | $304,465 (-0.6%) | 0.85 | 609 |
| 2020-03-01 | $259,900 (-1.6%) | $310,925 (-0.6%) | 0.81 | 586 |
| 2020-04-01 | $258,300 (-3.2%) | $306,743 (-2.2%) | 0.81 | 599 |
| 2020-05-01 | $259,900 (-3.7%) | $306,180 (-2.5%) | 0.79 | 577 |
| 2020-06-01 | $262,175 (-2.9%) | $318,057 (3.0%) | 0.77 | 522 |
| 2020-07-01 | $269,900 (3.6%) | $320,927 (7.1%) | 0.78 | 473 |
| 2020-08-01 | $269,900 (6.5%) | $326,147 (11.0%) | 0.77 | 440 |
| 2020-09-01 | $268,850 (6.9%) | $336,722 (16.3%) | 0.77 | 414 |
| 2020-10-01 | $264,900 (6.0%) | $336,112 (16.7%) | 0.76 | 385 |
| 2020-11-01 | $244,725 (-2.0%) | $305,209 (4.9%) | 0.72 | 397 |
| 2020-12-01 | $239,900 (-4.0%) | $300,275 (0.3%) | 0.71 | 381 |
| 2021-01-01 | $249,900 (-0.6%) | $307,529 (2.7%) | 0.75 | 335 |
| 2021-02-01 | $249,225 (-4.1%) | $304,296 (-0.1%) | 0.73 | 281 |
| 2021-03-01 | $253,675 (-2.4%) | $311,551 (0.2%) | 0.72 | 286 |
| 2021-04-01 | $262,400 (1.6%) | $328,906 (7.2%) | 0.71 | 229 |
| 2021-05-01 | $269,900 (3.9%) | $354,912 (15.9%) | 0.72 | 224 |
| 2021-06-01 | $265,925 (1.4%) | $357,171 (12.3%) | 0.70 | 237 |
| 2021-07-01 | $269,900 (0.0%) | $370,789 (15.5%) | 0.71 | 287 |
| 2021-08-01 | $286,950 (6.3%) | $372,121 (14.1%) | 0.77 | 319 |
| 2021-09-01 | $285,000 (6.0%) | $371,162 (10.2%) | 0.76 | 346 |
| 2021-10-01 | $285,000 (7.6%) | $376,347 (12.0%) | 0.76 | 359 |
| 2021-11-01 | $296,950 (21.3%) | $381,733 (25.1%) | 0.79 | 359 |
| 2021-12-01 | $299,225 (24.7%) | $381,791 (27.2%) | 0.81 | 314 |
| 2022-01-01 | $289,900 (16.0%) | $378,813 (23.2%) | 0.78 | 254 |
| 2022-02-01 | $297,950 (19.6%) | $372,264 (22.3%) | 0.77 | 226 |
| 2022-03-01 | $297,450 (17.3%) | $396,530 (27.3%) | 0.74 | 188 |
| 2022-04-01 | $309,900 (18.1%) | $405,316 (23.2%) | 0.74 | 199 |
| 2022-05-01 | $305,200 (13.1%) | $402,446 (13.4%) | 0.70 | 223 |
| 2022-06-01 | $324,900 (22.2%) | $401,342 (12.4%) | 0.72 | 270 |
| 2022-07-01 | $329,900 (22.2%) | $395,778 (6.7%) | 0.74 | 354 |
| 2022-08-01 | $334,131 (16.4%) | $397,923 (6.9%) | 0.77 | 355 |
| 2022-09-01 | $338,813 (18.9%) | $399,218 (7.6%) | 0.79 | 359 |
| 2022-10-01 | $338,900 (18.9%) | $408,910 (8.7%) | 0.80 | 399 |
| 2022-11-01 | $329,795 (11.1%) | $657,924 (72.4%) | 0.79 | 436 |
| 2022-12-01 | $322,900 (7.9%) | $393,382 (3.0%) | 0.80 | 418 |
| 2023-01-01 | $318,925 (10.0%) | $392,021 (3.5%) | 0.79 | 384 |
| 2023-02-01 | $329,650 (10.6%) | $397,143 (6.7%) | 0.80 | 397 |
| 2023-03-01 | $329,900 (10.9%) | $400,933 (1.1%) | 0.78 | 404 |
| 2023-04-01 | $339,700 (9.6%) | $407,802 (0.6%) | 0.79 | 402 |
| 2023-05-01 | $343,950 (12.7%) | $422,198 (4.9%) | 0.78 | 416 |
| 2023-06-01 | $352,750 (8.6%) | $427,775 (6.6%) | 0.79 | 464 |
| 2023-07-01 | $345,000 (4.6%) | $422,066 (6.6%) | 0.78 | 489 |
| 2023-08-01 | $337,400 (1.0%) | $413,544 (3.9%) | 0.77 | 524 |
| 2023-09-01 | $324,900 (-4.1%) | $401,046 (0.5%) | 0.76 | 545 |
| 2023-10-01 | $325,725 (-3.9%) | $393,542 (-3.8%) | 0.77 | 573 |
| 2023-11-01 | $318,175 (-3.5%) | $383,193 (-41.8%) | 0.76 | 594 |
| 2023-12-01 | $304,950 (-5.6%) | $369,252 (-6.1%) | 0.74 | 603 |
| 2024-01-01 | $309,400 (-3.0%) | $366,644 (-6.5%) | 0.76 | 571 |
| 2024-02-01 | $309,900 (-6.0%) | $371,778 (-6.4%) | 0.75 | 584 |
| 2024-03-01 | $314,900 (-4.6%) | $385,711 (-3.8%) | 0.74 | 598 |
| 2024-04-01 | $324,400 (-4.5%) | $394,698 (-3.2%) | 0.75 | 624 |
| 2024-05-01 | $324,900 (-5.5%) | $397,782 (-5.8%) | 0.74 | 621 |
| 2024-06-01 | $324,900 (-7.9%) | $391,528 (-8.5%) | 0.74 | 660 |
| 2024-07-01 | $323,200 (-6.3%) | $384,943 (-8.8%) | 0.74 | 706 |
| 2024-08-01 | $315,000 (-6.6%) | $383,322 (-7.3%) | 0.73 | 727 |
| 2024-09-01 | $315,000 (-3.1%) | $381,494 (-4.9%) | 0.74 | 757 |
| 2024-10-01 | $312,475 (-4.1%) | $373,651 (-5.1%) | 0.74 | 781 |
| 2024-11-01 | $314,500 (-1.2%) | $373,036 (-2.7%) | 0.75 | 811 |
| 2024-12-01 | $314,500 (3.1%) | $366,460 (-0.8%) | 0.78 | 759 |
| 2025-01-01 | $314,500 (1.7%) | $366,951 (0.1%) | 0.78 | 725 |
| 2025-02-01 | $314,900 (1.6%) | $375,460 (1.0%) | 0.76 | 708 |
| 2025-03-01 | $319,900 (1.6%) | $381,051 (-1.2%) | 0.75 | 733 |
| 2025-04-01 | $326,950 (0.8%) | $391,019 (-0.9%) | 0.76 | 771 |
| 2025-05-01 | $325,000 (0.0%) | $387,986 (-2.5%) | 0.74 | 808 |
| 2025-06-01 | $329,675 (1.5%) | $387,912 (-0.9%) | 0.75 | 840 |
| 2025-07-01 | $329,900 (2.1%) | $386,635 (0.4%) | 0.75 | 845 |
| 2025-08-01 | $328,350 (4.2%) | $390,087 (1.8%) | 0.76 | 844 |
| 2025-09-01 | $329,900 (4.7%) | $396,452 (3.9%) | 0.78 | 853 |
| 2025-10-01 | $329,900 (5.6%) | $398,693 (6.7%) | 0.78 | 855 |
| 2025-11-01 | $334,900 (6.5%) | $405,294 (8.7%) | 0.81 | 856 |
| 2025-12-01 | $328,856 (4.6%) | $399,651 (9.1%) | 0.82 | 834 |
| 2026-01-01 | $323,900 (3.0%) | $396,881 (8.2%) | 0.81 | 776 |
| 2026-02-01 | $323,925 (2.9%) | $394,194 (5.0%) | 0.80 | 777 |
| 2026-03-01 | $322,375 (0.8%) | $392,005 (2.9%) | 0.77 | 769 |
| 2026-04-01 | $327,225 (0.1%) | $395,642 (1.2%) | 0.77 | 780 |
| 2026-05-01 | $335,000 (3.1%) | $405,670 (4.6%) | 0.78 | 809 |
| 2026-06-01 | $347,000 (5.3%) | $414,550 (6.9%) | 0.81 | 814 |
| 2026-07-01 | $340,000 (3.1%) | $411,820 (6.5%) | 0.79 | 871 |
| 2026-08-01 | $337,500 (2.8%) | $406,269 (4.2%) | 0.80 | 887 |
| 2026-09-01 | $331,667 (0.5%) | $403,123 (1.7%) | 0.00 | 901 |
| 2026-10-01 | $329,900 (0.0%) | $400,435 (0.4%) | 0.00 | 898 |
BOWLING GREEN's median listing price comes in at 0% of the national average.
BOWLING GREEN's average listing price for 2026-10-01 was $400,435, a difference of $1,742 (0.4%) versus the prior year and $-2,688 versus the prior month.
For the 2026-10-01 period, BOWLING GREEN had 898 MLS listings, a difference of -3 listings (0%) versus the prior month and 43 listings (5%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - BOWLING GREEN (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 94 days | 2,000 sqft |
| 2018-02-01 | 94 days | 2,003 sqft |
| 2018-03-01 | 67 days | 2,002 sqft |
| 2018-04-01 | 60 days | 2,037 sqft |
| 2018-05-01 | 59 days | 2,065 sqft |
| 2018-06-01 | 54 days | 2,165 sqft |
| 2018-07-01 | 58 days | 2,212 sqft |
| 2018-08-01 | 61 days | 2,283 sqft |
| 2018-09-01 | 68 days | 2,250 sqft |
| 2018-10-01 | 71 days | 2,194 sqft |
| 2018-11-01 | 73 days | 2,122 sqft |
| 2018-12-01 | 85 days | 2,100 sqft |
| 2019-01-01 | 88 days | 2,100 sqft |
| 2019-02-01 | 87 days | 2,100 sqft |
| 2019-03-01 | 81 days | 2,147 sqft |
| 2019-04-01 | 74 days | 2,172 sqft |
| 2019-05-01 | 63 days | 2,181 sqft |
| 2019-06-01 | 59 days | 2,186 sqft |
| 2019-07-01 | 61 days | 2,163 sqft |
| 2019-08-01 | 62 days | 2,090 sqft |
| 2019-09-01 | 66 days | 2,067 sqft |
| 2019-10-01 | 68 days | 2,053 sqft |
| 2019-11-01 | 71 days | 2,035 sqft |
| 2019-12-01 | 81 days | 2,012 sqft |
| 2020-01-01 | 95 days | 2,011 sqft |
| 2020-02-01 | 99 days | 2,049 sqft |
| 2020-03-01 | 75 days | 2,068 sqft |
| 2020-04-01 | 68 days | 2,029 sqft |
| 2020-05-01 | 74 days | 2,011 sqft |
| 2020-06-01 | 75 days | 2,047 sqft |
| 2020-07-01 | 73 days | 2,062 sqft |
| 2020-08-01 | 68 days | 2,075 sqft |
| 2020-09-01 | 55 days | 2,054 sqft |
| 2020-10-01 | 57 days | 2,000 sqft |
| 2020-11-01 | 51 days | 1,856 sqft |
| 2020-12-01 | 58 days | 1,844 sqft |
| 2021-01-01 | 73 days | 1,862 sqft |
| 2021-02-01 | 66 days | 1,797 sqft |
| 2021-03-01 | 45 days | 1,834 sqft |
| 2021-04-01 | 39 days | 1,812 sqft |
| 2021-05-01 | 38 days | 1,860 sqft |
| 2021-06-01 | 32 days | 1,798 sqft |
| 2021-07-01 | 31 days | 1,850 sqft |
| 2021-08-01 | 32 days | 1,900 sqft |
| 2021-09-01 | 37 days | 1,915 sqft |
| 2021-10-01 | 44 days | 1,866 sqft |
| 2021-11-01 | 49 days | 1,966 sqft |
| 2021-12-01 | 52 days | 1,988 sqft |
| 2022-01-01 | 65 days | 1,850 sqft |
| 2022-02-01 | 50 days | 1,813 sqft |
| 2022-03-01 | 37 days | 1,821 sqft |
| 2022-04-01 | 26 days | 1,830 sqft |
| 2022-05-01 | 31 days | 1,854 sqft |
| 2022-06-01 | 31 days | 1,963 sqft |
| 2022-07-01 | 33 days | 2,008 sqft |
| 2022-08-01 | 46 days | 1,940 sqft |
| 2022-09-01 | 49 days | 1,943 sqft |
| 2022-10-01 | 45 days | 1,979 sqft |
| 2022-11-01 | 52 days | 1,951 sqft |
| 2022-12-01 | 64 days | 1,941 sqft |
| 2023-01-01 | 79 days | 1,931 sqft |
| 2023-02-01 | 62 days | 1,917 sqft |
| 2023-03-01 | 52 days | 1,919 sqft |
| 2023-04-01 | 59 days | 1,926 sqft |
| 2023-05-01 | 53 days | 1,961 sqft |
| 2023-06-01 | 46 days | 1,977 sqft |
| 2023-07-01 | 47 days | 1,914 sqft |
| 2023-08-01 | 50 days | 1,899 sqft |
| 2023-09-01 | 53 days | 1,825 sqft |
| 2023-10-01 | 63 days | 1,817 sqft |
| 2023-11-01 | 67 days | 1,801 sqft |
| 2023-12-01 | 73 days | 1,723 sqft |
| 2024-01-01 | 79 days | 1,735 sqft |
| 2024-02-01 | 67 days | 1,748 sqft |
| 2024-03-01 | 52 days | 1,750 sqft |
| 2024-04-01 | 52 days | 1,770 sqft |
| 2024-05-01 | 56 days | 1,808 sqft |
| 2024-06-01 | 51 days | 1,790 sqft |
| 2024-07-01 | 51 days | 1,749 sqft |
| 2024-08-01 | 60 days | 1,721 sqft |
| 2024-09-01 | 61 days | 1,706 sqft |
| 2024-10-01 | 64 days | 1,681 sqft |
| 2024-11-01 | 69 days | 1,696 sqft |
| 2024-12-01 | 80 days | 1,693 sqft |
| 2025-01-01 | 81 days | 1,694 sqft |
| 2025-02-01 | 81 days | 1,700 sqft |
| 2025-03-01 | 61 days | 1,737 sqft |
| 2025-04-01 | 58 days | 1,775 sqft |
| 2025-05-01 | 59 days | 1,800 sqft |
| 2025-06-01 | 58 days | 1,807 sqft |
| 2025-07-01 | 66 days | 1,824 sqft |
| 2025-08-01 | 68 days | 1,803 sqft |
| 2025-09-01 | 67 days | 1,814 sqft |
| 2025-10-01 | 66 days | 1,814 sqft |
| 2025-11-01 | 66 days | 1,844 sqft |
| 2025-12-01 | 78 days | 1,817 sqft |
| 2026-01-01 | 85 days | 1,810 sqft |
| 2026-02-01 | 89 days | 1,810 sqft |
| 2026-03-01 | 65 days | 1,800 sqft |
| 2026-04-01 | 59 days | 1,822 sqft |
| 2026-05-01 | 54 days | 1,852 sqft |
| 2026-06-01 | 58 days | 1,884 sqft |
| 2026-07-01 | 64 days | 1,846 sqft |
| 2026-08-01 | 60 days | 1,800 sqft |
| 2026-09-01 | 0 days | 1,782 sqft |
| 2026-10-01 | 0 days | 1,781 sqft |
BOWLING GREEN's median square footage for active listings during the 2026-10-01 period was 1,781 sqft. One year prior, the average listing was 1,814 sqft.
BOWLING GREEN, KY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,274 | $798,440,000 | $351,117 |
| Refi | 905 | $297,985,000 | $329,265 |
| Cash Out Refi | 474 | $88,840,000 | $187,426 |
| Other | 319 | $28,275,000 | $88,636 |
| Home Improvement | 313 | $27,695,000 | $88,482 |
| NA | 2 | $210,000 | $105,000 |
Bowling Green's most frequently cited loan purpose was Home Purchase, with 2,274 originations. The 2nd most popular reason was Refi, with 905 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,590 | $459,210,000 | $288,811 |
| 7-8% | 748 | $142,470,000 | $190,468 |
| 5-6% | 694 | $343,360,000 | $494,755 |
| Over 8% | 431 | $37,945,000 | $88,039 |
| 4-5% | 99 | $26,015,000 | $262,778 |
| <2.5% | 62 | $6,280,000 | $101,290 |
| 3-4% | 33 | $2,245,000 | $68,030 |
| 2.5-3% | 2 | $390,000 | $195,000 |
During 2025, Bowling Green's most frequently originated rate bucket was 6-7%, with 1,590 originations.
Loan Sizing (BOWLING GREEN, KY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,708 | $467,820,000 | $273,899 |
| $100k-200k | 1,155 | $171,985,000 | $148,905 |
| $100,000 or less | 942 | $51,740,000 | $54,926 |
| $400k-600k | 319 | $154,065,000 | $482,962 |
| $600k-1000k | 112 | $83,230,000 | $743,125 |
| $Over $1MM | 51 | $312,605,000 | $6,129,510 |
BOWLING GREEN's loan sizing saw the bucket of loans from $200k-400k with 1,708 originations, totaling $467,820,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,399 | $414,305,000 | $296,144 |
| 60-80% | 726 | $267,890,000 | $368,994 |
| 20-40% | 530 | $83,840,000 | $158,189 |
| Under 20% | 476 | $23,380,000 | $49,118 |
| 40-60% | 395 | $91,195,000 | $230,873 |
| Over 100% | 58 | $59,400,000 | $1,024,138 |
BOWLING GREEN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,399 originations, totaling $414,305,000 in origination value.