BOWLING GREEN Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Bowling Green averaged 5.43% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.6% and one month ago for the week of 2022-04-07, the average rate was 4.75%.

Bowling Green's average rate one year ago was 3.14%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.49%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Bowling Green 30 Year Fixed Rate 2022-05-12 5.43%
Bowling Green 30 Year Fixed Rate Refi 2022-05-12 5.49%
Bowling Green 15 Year Fixed Rate 2022-05-12 5.08%
Bowling Green 15 Year Fixed Rate Refi 2022-05-12 4.86%
Bowling Green 30 Year FHA 2022-05-12 5.39%
Bowling Green 30 Year FHA Refi 2022-05-12 5.1%
Bowling Green 30 Year USDA 2022-05-12 5.21%
Bowling Green 30 Year USDA Refi 2022-05-12 5.26%
Bowling Green 30 Year VA 2022-05-12 5.67%
Bowling Green 30 Year VA Refi 2022-05-12 5.01%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BOWLING GREEN, KY.

BOWLING GREEN Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Citizens Bank 216 2.99% $2,775
Republic State Mortgage Co. 202 2.97% $3,091
SOUTH CENTRAL BANK, INC. 186 2.97% $2,544
QUICKEN LOANS, LLC 182 3.14% $4,324
U.S. Bank 156 3.12% $3,109
STOCKTON MORTGAGE CORPORATION 111 3.05% $3,431
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 105 3.19% $3,735
Magnolia Bank 102 2.98% $3,014
Edmonton State Bank 96 3.24% $2,230
EVANSVILLE TEACHERS 76 3.08% $2,744
RUOFF MORTGAGE COMPANY, INC. 74 3.08% $2,599
FirstBank 74 3.14% $3,115
PRIMARY RESIDENTIAL MORTGAGE, INC. 65 3.08% $3,970
SERVICE ONE 63 3.09% $2,187
Truist Bank 53 3.09% $3,171
Morgantown Bank & Trust Company, Incorporated 45 4.11% $1,665
MOVEMENT MORTGAGE, LLC 38 3.13% $3,514
German American Bank 36 3.17% $2,779
Independence Bank of Kentucky 36 3.29% $2,265
JPMorgan Chase Bank 33 3.00% $2,367
UNITED WHOLESALE MORTGAGE, LLC 32 3.01% $4,345
AMERISAVE MORTGAGE CORPORATION 30 2.84% $5,580
HOME POINT FINANCIAL CORPORATION 27 3.20% $3,487
Wells Fargo Bank 27 3.04% $2,790
BETTER MORTGAGE CORPORATION 26 2.93% $3,024
Abound Federal Credit Union 25 3.12% $2,254
Bank of England 22 3.11% $3,691
PNC Bank 18 3.25% $3,348
FBC MORTGAGE, LLC 18 3.16% $3,882
Farm Credit Mid-America, ACA 18 3.47% $5,859
LOANDEPOT.COM, LLC 16 3.23% $4,762
Paramount Residential Mortgage Group, Inc. 15 3.25% $4,584
PENNYMAC LOAN SERVICES, LLC 15 3.40% $5,867
The Monticello Banking Company 15 3.34% $2,077
ROSS MORTGAGE CORPORATION 15 3.21% $4,234
Mr. Cooper ( Nationstar Mortgage ) 13 3.43% $4,866
FIRST COMMUNITY MORTGAGE, INC. 13 3.10% $2,994
NEWREZ LLC 10 3.08% $3,875
NAVY FEDERAL CREDIT UNION 9 3.60% $3,532
FREEDOM MORTGAGE CORPORATION 9 3.11% $1,892
BROKER SOLUTIONS, INC. 9 3.15% $3,156
CMG MORTGAGE, INC. 9 3.04% $2,989
Regions Bank 9 3.24% $3,187
Fifth Third Bank 8 3.16% $3,398
Wyndham Capital Mortgage, Inc. 8 2.72% $2,045
Century Mortgage Company DBA Century Lending Company 8 3.27% $3,675
CHURCHILL MORTGAGE CORPORATION 7 3.45% $4,515
ROYAL UNITED MORTGAGE LLC 6 3.46% $5,562
PREMIA MORTGAGE, LLC 6 2.85% $252
PROVIDENT FUNDING ASSOCIATES, L.P. 6 2.83% $2,726
CALIBER HOME LOANS, INC. 5 2.97% $3,123
Bank of America 5 3.10% $2,958
HOMESIDE FINANCIAL, LLC 5 3.08% $4,070
The Huntington National Bank 5 2.90% $3,443
Community Trust Bank, Inc. 5 2.85% $2,721
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 5 3.42% $4,671
Flagstar Bank, FSB 5 3.20% $2,996
Old National Bank 4 3.16% $2,614
Nations Lending Corporation 4 3.34% $5,571
CROSSCOUNTRY MORTGAGE, LLC 4 3.19% $4,318
AMERICAN FINANCIAL NETWORK, INC. 4 3.81% $6,049
Republic Bank & Trust Company 4 3.28% $3,044
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 2.78% $2,966
The Cecilian Bank 4 3.73% $2,008
First Federal Savings and Loan Association of Lakewood 4 3.00% $3,549
GENEVA FINANCIAL, LLC 4 3.28% $5,199
InterContinental Capital Group, Inc 4 3.19% $3,794
ACOPIA, LLC 4 3.15% $4,239
EVERETT FINANCIAL, INC. 3 3.46% $1,998
Pinnacle Bank 3 3.21% $3,316
KELLER MORTGAGE, LLC 3 3.29% $2,654
UNION HOME MORTGAGE CORP. 3 2.96% $2,735
Ally Bank 3 3.08% $2,641
TIAA, FSB 3 3.13% $2,678
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.00% $2,610
Carrington Mortgage Services, LLC 3 3.13% $3,126
Mortgage Research Center, LLC 3 2.66% $3,529
Renasant Bank 3 3.13% $3,486
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 3.12% $1,999
GUARANTY HOME MORTGAGE CORPORATION 2 3.75% $3,238
Guardian Savings Bank, A Federal Savings Bank 2 2.94% $1,941
GUIDANCE RESIDENTIAL, LLC 2 3.00% $2,749
AMERICAN PACIFIC MORTGAGE CORPORATION 2 4.13% $4,290
Devon Bank 2 3.38% $3,456
Cf Bank 2 2.56% $1,598
ACADEMY MORTGAGE CORPORATION 2 3.56% $5,154
CREDIT UNION MORTGAGE ASSOCIATION, INC. 2 3.19% $3,306
Morgan Stanley Private Bank 2 2.63% $3,248
Colten Mortgage, LLC 2 3.25% $6,894
Citibank 2 2.88% $3,180
Commonwealth Bank and Trust Company 2 2.88% $3,248
Northpointe Bank 2 3.25% $3,310
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 3.31% $3,592
L & N Federal Credit Union 2 3.94% $2,205
VANDERBILT MORTGAGE AND FINANCE, INC. 2 3.25% $3,876
BAY EQUITY LLC 2 3.13% $3,514
AMERICAN INTERNET MORTGAGE, INC. 2 2.75% $2,022
Baxter Credit Union 2 2.94% $2,366
First Internet Bank of Indiana 2 3.00% $2,911
AMERICAN MORTGAGE SERVICE COMPANY 2 3.25% $4,143
First Southern National Bank 2 3.85% $1,133
First Federal Bank of the Midwest 2 3.25% $3,326
F&M Bank 2 3.00% $3,482
The Farmers Bank 2 3.19% $2,935
Southeast Financial Credit Union 2 3.06% $2,688
GERSHMAN INVESTMENT CORP. 2 4.00% $3,029
GUARANTEED RATE AFFINITY, LLC 2 3.13% $337
ZILLOW HOME LOANS, LLC 1 3.13% $3,631
AMERICAN FINANCING CORPORATION 1 2.88% $5,821
AMERIFIRST FINANCIAL CORPORATION 1 3.38% $3,534
AmeriHome Mortgage Company, LLC 1 3.25% $3,365
Arvest Bank 1 3.50% $2,433
ASHLAND Credit Union 1 3.25% $3,237
BancorpSouth Bank 1 3.13% $3,745
Bank of Tennessee 1 3.13% $3,382
BLUELEAF LENDING, LLC 1 2.88% $3,501
BOKF 1 3.13% $3,104
Central Bank & Trust Company 1 2.75% $1,892
CHEVRON 1 3.13% $4,180
Citadel Servicing Corporation 1 7.25% $6,550
Colonial Savings, F.A. 1 3.88% $147
COMPEER FINANCIAL, FLCA 1 4.00% $3,383
CREDIT UNION OF NEW JERSEY 1 3.38% $2,531
DAS Acquisition Company, LLC 1 3.25% $4,430
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 3.63% $3,224
Dollar Bank, Federal Savings Bank 1 3.38% $3,873
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 4.13% $3,419
FAIR WAY LENDING LLC 1 2.75% $2,882
First Financial Bank 1 3.13% $2,669
First Financial Bank 1 3.00% $2,724
First Home Bank 1 3.00% $6,161
First Horizon Bank 1 2.88% $3,982
First National Bank of America 1 7.13% $6,437
First United Bank and Trust Company 1 3.13% $3,931
F & M Bank 1 2.88% $2,519
Gateway First Bank 1 2.88% $6,019
GUARANTEED RATE, INC. 1 3.75% $3,371
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.38% $3,844
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.50% $3,603
IDAHO STATE UNIVERSITY 1 3.00% $6,114
IMPAC MORTGAGE CORP. 1 3.13% $0
Independent Bank 1 2.50% $2,402
INLANTA MORTGAGE, INC. 1 3.38% $3,479
INTERLINC MORTGAGE SERVICES, LLC 1 3.25% $3,344
Ixonia Bank 1 3.38% $3,709
KeyBank 1 2.63% $9,372
Legends Bank 1 2.50% $3,103
Merchants Bank of Indiana 1 2.88% $7,907
MID AMERICA MORTGAGE, INC. 1 2.88% $2,691
MIDWEST AMERICA 1 4.00% $2,715
NBKC BANK 1 2.88% $2,209
North American Savings Bank, F.S.B. 1 5.75% $6,067
OPEN MORTGAGE, LLC 1 3.13% $3,742
PARK COMMUNITY CREDIT UNION, INC. 1 3.25% $1,632
PHH Mortgage Corporation 1 3.75% $3,043
Plains Commerce Bank 1 2.88% $3,576
PLAZA HOME MORTGAGE, INC. 1 2.99% $2,455
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 2.88% $3,369
Prosperity Home Mortgage, LLC 1 3.00% $3,287
RBC Bank, (Georgia) 1 3.63% $2,329
SECURITYNATIONAL MORTGAGE COMPANY 1 2.75% $2,739
Simmons Bank 1 2.88% $2,892
SIRVA MORTGAGE, INC. 1 2.88% $0
Stifel Bank and Trust 1 2.88% $2,014
SUN WEST MORTGAGE COMPANY, INC. 1 2.99% $1,318
SWBC MORTGAGE CORPORATION 1 2.63% $6,780
T2 FINANCIAL LLC 1 3.49% $7,377
The Citizens National Bank of Bluffton 1 3.50% $2,554
The Citizens National Bank of Somerset 1 3.00% $2,866
THE EQUITABLE MORTGAGE CORPORATION 1 2.50% $3,478
THE MORTGAGE FIRM, INC. 1 3.13% $3,938
Trustmark National Bank 1 3.25% $4,470
UNITED MORTGAGE CORP. 1 4.13% $3,735
US MORTGAGE CORPORATION 1 3.49% $3,589
Valley National Bank 1 2.75% $3,828
Willamette Valley Bank 1 2.88% $3,795
21ST MORTGAGE CORPORATION 1 5.80% $5,757

BOWLING GREEN, KY's 177 lenders originated 7,281 loans during 2021. The total origination value was $1,588,245,000, with an average loan value of $218,136.

The top BOWLING GREEN lender as defined by loan originations is Citizens Bank, with 216 loans originated. Their average total fees are $2,775, which is $316 lower than the next largest lender, Republic State Mortgage Co..

The lowest fee BOWLING GREEN lenders (with over 10 loans originated) are Morgantown Bank & Trust Company, Incorporated ($1,665), The Monticello Banking Company ($2,077), SERVICE ONE ($2,187), Edmonton State Bank ($2,230) and Abound Federal Credit Union ($2,254).

The lowest rate BOWLING GREEN lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.84%), BETTER MORTGAGE CORPORATION (2.93%), Republic State Mortgage Co. (2.97%), SOUTH CENTRAL BANK, INC. (2.97%) and Magnolia Bank (2.98%).

BOWLING GREEN, KY Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
SOUTH CENTRAL BANK, INC. $115,940,000 $86,705,000 -25.2% 5.5%
Edmonton State Bank $76,680,000 $86,090,000 12.3% 5.4%
QUICKEN LOANS, LLC $70,130,000 $82,945,000 18.3% 5.2%
Citizens Bank $49,860,000 $73,695,000 47.8% 4.6%
Republic State Mortgage Co. $70,735,000 $73,225,000 3.5% 4.6%
U.S. Bank $84,910,000 $70,700,000 -16.7% 4.5%
American Bank & Trust Company, Inc. $36,900,000 $59,870,000 62.2% 3.8%
German American Bank $45,115,000 $57,285,000 27.0% 3.6%
FirstBank $25,455,000 $44,105,000 73.3% 2.8%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $31,970,000 $43,995,000 37.6% 2.8%
STOCKTON MORTGAGE CORPORATION $47,055,000 $41,620,000 -11.6% 2.6%
Magnolia Bank $44,990,000 $39,680,000 -11.8% 2.5%
PRIMARY RESIDENTIAL MORTGAGE, INC. $38,335,000 $38,955,000 1.6% 2.5%
EVANSVILLE TEACHERS $50,510,000 $37,580,000 -25.6% 2.4%
RUOFF MORTGAGE COMPANY, INC. $19,065,000 $37,030,000 94.2% 2.3%
Independence Bank of Kentucky $54,605,000 $32,635,000 -40.2% 2.1%
Truist Bank $36,445,000 $29,135,000 -20.1% 1.8%
Franklin Bank & Trust Company $19,430,000 $26,595,000 36.9% 1.7%
FREEDOM MORTGAGE CORPORATION $22,360,000 $23,885,000 6.8% 1.5%
Morgantown Bank & Trust Company, Incorporated $23,290,000 $23,005,000 -1.2% 1.4%
MOVEMENT MORTGAGE, LLC $15,605,000 $22,945,000 47.0% 1.4%
ORIX REAL ESTATE CAPITAL, LLC $9,390,000 $20,135,000 114.4% 1.3%
Hancock Bank & Trust Company $69,740,000 $18,945,000 -72.8% 1.2%
The Monticello Banking Company $17,345,000 $16,705,000 -3.7% 1.1%
SERVICE ONE $18,375,000 $16,410,000 -10.7% 1.0%
Mortgage Research Center, LLC $13,540,000 $16,020,000 18.3% 1.0%
UNITED WHOLESALE MORTGAGE, LLC $12,095,000 $15,895,000 31.4% 1.0%
Merchants Bank of Indiana $15,655,000 n/a 1.0%
Farmers Bank and Trust Company $13,705,000 $14,795,000 8.0% 0.9%
First Southern National Bank $9,470,000 $14,300,000 51.0% 0.9%
Bank of Edmonson County $12,320,000 $13,620,000 10.6% 0.9%
PNC Bank $10,855,000 $13,450,000 23.9% 0.8%
HOME POINT FINANCIAL CORPORATION $7,370,000 $12,945,000 75.6% 0.8%
Abound Federal Credit Union $18,270,000 $12,880,000 -29.5% 0.8%
Wells Fargo Bank $6,805,000 $12,695,000 86.6% 0.8%
JPMorgan Chase Bank $8,280,000 $12,390,000 49.6% 0.8%
PENNYMAC LOAN SERVICES, LLC $5,415,000 $12,105,000 123.5% 0.8%
Bank of England $19,445,000 $11,900,000 -38.8% 0.7%
AMERISAVE MORTGAGE CORPORATION $4,355,000 $10,885,000 149.9% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $8,295,000 $10,870,000 31.0% 0.7%
LOANDEPOT.COM, LLC $5,050,000 $9,140,000 81.0% 0.6%
FBC MORTGAGE, LLC $8,150,000 $8,725,000 7.1% 0.5%
Farm Credit Mid-America, ACA $9,575,000 $8,620,000 -10.0% 0.5%
BETTER MORTGAGE CORPORATION $1,790,000 $8,285,000 362.8% 0.5%
Paramount Residential Mortgage Group, Inc. $1,130,000 $7,570,000 569.9% 0.5%
ROSS MORTGAGE CORPORATION $3,765,000 $7,555,000 100.7% 0.5%
NAVY FEDERAL CREDIT UNION $3,250,000 $6,870,000 111.4% 0.4%
FIRST COMMUNITY MORTGAGE, INC. $8,370,000 $6,630,000 -20.8% 0.4%
CMG MORTGAGE, INC. $4,945,000 $6,460,000 30.6% 0.4%
NEWREZ LLC $2,540,000 $6,230,000 145.3% 0.4%
First Farmers and Merchants Bank $6,170,000 n/a 0.4%
CBRE MULTIFAMILY CAPITAL, INC. $6,155,000 n/a 0.4%
Limestone Bank, Inc. $8,510,000 $5,730,000 -32.7% 0.4%
Old National Bank $910,000 $5,510,000 505.5% 0.3%
LAKEVIEW LOAN SERVICING, LLC $2,815,000 $4,855,000 72.5% 0.3%
BROKER SOLUTIONS, INC. $2,855,000 $4,325,000 51.5% 0.3%
The Cecilian Bank $1,930,000 $4,295,000 122.5% 0.3%
Cumberland Valley National Bank & Trust Company $3,730,000 $4,290,000 15.0% 0.3%
CHURCHILL MORTGAGE CORPORATION $1,835,000 $4,255,000 131.9% 0.3%
USAA Federal Savings Bank $5,985,000 $3,735,000 -37.6% 0.2%
The Huntington National Bank $2,270,000 $3,715,000 63.7% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,355,000 $3,530,000 49.9% 0.2%
Regions Bank $2,400,000 $3,260,000 35.8% 0.2%
Fifth Third Bank $3,595,000 $3,055,000 -15.0% 0.2%
Bank of America $3,435,000 $2,905,000 -15.4% 0.2%
21ST MORTGAGE CORPORATION $2,340,000 $2,855,000 22.0% 0.2%
Renasant Bank $3,400,000 $2,855,000 -16.0% 0.2%
Nations Lending Corporation $1,580,000 $2,825,000 78.8% 0.2%
Century Mortgage Company DBA Century Lending Company $2,775,000 n/a 0.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,515,000 $2,730,000 -50.5% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $2,240,000 $2,680,000 19.6% 0.2%
NEW DAY FINANCIAL, LLC $2,020,000 $2,675,000 32.4% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $2,830,000 $2,645,000 -6.5% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,085,000 $2,515,000 131.8% 0.2%
ACOPIA, LLC $1,190,000 $2,470,000 107.6% 0.2%
Wyndham Capital Mortgage, Inc. $1,565,000 $2,385,000 52.4% 0.2%
Wilson & Muir Bank & Trust Company $4,730,000 $2,310,000 -51.2% 0.1%
Republic Bank & Trust Company $860,000 $2,225,000 158.7% 0.1%
PREMIA MORTGAGE, LLC $1,280,000 $2,130,000 66.4% 0.1%
THRIVE MORTGAGE, LLC $430,000 $1,995,000 364.0% 0.1%
InterContinental Capital Group, Inc $630,000 $1,980,000 214.3% 0.1%
CALIBER HOME LOANS, INC. $4,635,000 $1,970,000 -57.5% 0.1%
Southern Bank of Tennessee $1,860,000 n/a 0.1%
Carrington Mortgage Services, LLC $2,650,000 $1,845,000 -30.4% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,410,000 $1,745,000 23.8% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $805,000 $1,645,000 104.3% 0.1%
NBKC BANK $1,310,000 $1,590,000 21.4% 0.1%
HOMESIDE FINANCIAL, LLC $1,190,000 $1,550,000 30.3% 0.1%
Colten Mortgage, LLC $560,000 $1,475,000 163.4% 0.1%
GUARANTEED RATE AFFINITY, LLC $350,000 $1,475,000 321.4% 0.1%
Pinnacle Bank $1,135,000 $1,455,000 28.2% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,455,000 n/a 0.1%
Community Trust Bank, Inc. $1,150,000 $1,440,000 25.2% 0.1%
MIDWEST AMERICA $2,775,000 $1,390,000 -49.9% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $780,000 $1,370,000 75.6% 0.1%
EVERETT FINANCIAL, INC. $11,945,000 $1,360,000 -88.6% 0.1%
BAY EQUITY LLC $1,480,000 $1,345,000 -9.1% 0.1%
Northpointe Bank $505,000 $1,315,000 160.4% 0.1%
GENEVA FINANCIAL, LLC $1,230,000 n/a 0.1%
Morgan Stanley Private Bank $1,050,000 $1,230,000 17.1% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $915,000 $1,215,000 32.8% 0.1%
First Financial Bank $160,000 $1,205,000 653.1% 0.1%
Commonwealth Bank and Trust Company $2,285,000 $1,195,000 -47.7% 0.1%
The Farmers Bank $1,100,000 $1,195,000 8.6% 0.1%
F&M Bank $280,000 $1,180,000 321.4% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $930,000 $1,170,000 25.8% 0.1%
First Federal Savings and Loan Association of Lakewood $265,000 $1,150,000 334.0% 0.1%
MID AMERICA MORTGAGE, INC. $1,670,000 $1,140,000 -31.7% 0.1%
PLANET HOME LENDING, LLC $1,985,000 $1,130,000 -43.1% 0.1%
Flagstar Bank, FSB $1,020,000 $1,125,000 10.3% 0.1%
North American Savings Bank, F.S.B. $1,090,000 n/a 0.1%
SWBC MORTGAGE CORPORATION $1,085,000 n/a 0.1%
Legends Bank $1,080,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $290,000 $1,065,000 267.2% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $465,000 $1,015,000 118.3% 0.1%
ROYAL UNITED MORTGAGE LLC $1,280,000 $1,015,000 -20.7% 0.1%
UNITED MORTGAGE CORP. $670,000 $985,000 47.0% 0.1%
AMERICAN MORTGAGE SERVICE COMPANY $2,510,000 $980,000 -61.0% 0.1%
First Guaranty Mortgage Corporation $255,000 $970,000 280.4% 0.1%
Dollar Bank, Federal Savings Bank $965,000 n/a 0.1%
Cf Bank $435,000 $950,000 118.4% 0.1%
ZILLOW HOME LOANS, LLC $340,000 $920,000 170.6% 0.1%
Ally Bank $915,000 $900,000 -1.6% 0.1%
COMMONWEALTH $890,000 $900,000 1.1% 0.1%
SOFI LENDING CORP. $195,000 $850,000 335.9% 0.1%
Lakeview Community Capital, LLC $845,000 n/a 0.1%
KELLER MORTGAGE, LLC $300,000 $800,000 166.7% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $1,160,000 $790,000 -31.9% 0.0%
First Federal Bank of the Midwest $115,000 $755,000 556.5% 0.0%
KeyBank $4,485,000 $745,000 -83.4% 0.0%
First Internet Bank of Indiana $405,000 $740,000 82.7% 0.0%
Macon Bank and Trust Company $940,000 $740,000 -21.3% 0.0%
TIAA, FSB $465,000 $735,000 58.1% 0.0%
Citizens Bank of Lafayette $895,000 $715,000 -20.1% 0.0%
AmeriHome Mortgage Company, LLC $770,000 $700,000 -9.1% 0.0%
Willamette Valley Bank $835,000 $700,000 -16.2% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $695,000 $695,000 0.0% 0.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $175,000 $690,000 294.3% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $245,000 $670,000 173.5% 0.0%
PENTAGON FEDERAL CREDIT UNION $105,000 $670,000 538.1% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $325,000 $625,000 92.3% 0.0%
UNIVERSITY OF KENTUCKY $85,000 $625,000 635.3% 0.0%
SIRVA MORTGAGE, INC. $640,000 $615,000 -3.9% 0.0%
River City Bank, Inc. $610,000 n/a 0.0%
First Horizon Bank $575,000 n/a 0.0%
ACADEMY MORTGAGE CORPORATION $570,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $240,000 $570,000 137.5% 0.0%
Guardian Savings Bank, A Federal Savings Bank $195,000 $570,000 192.3% 0.0%
Simmons Bank $560,000 n/a 0.0%
1ST SIGNATURE LENDING, LLC $230,000 $555,000 141.3% 0.0%
Stock Yards Bank & Trust Company $145,000 $550,000 279.3% 0.0%
AMERIFIRST FINANCIAL CORPORATION $730,000 $540,000 -26.0% 0.0%
GUIDANCE RESIDENTIAL, LLC $115,000 $535,000 365.2% 0.0%
UNION HOME MORTGAGE CORP. $530,000 $535,000 0.9% 0.0%
Prosperity Home Mortgage, LLC $250,000 $510,000 104.0% 0.0%
AMERICAN ADVISORS GROUP $665,000 $490,000 -26.3% 0.0%
Southeast Financial Credit Union $885,000 $485,000 -45.2% 0.0%
Stifel Bank and Trust $480,000 n/a 0.0%
L & N Federal Credit Union $860,000 $470,000 -45.3% 0.0%
First United Bank and Trust Company $455,000 n/a 0.0%
T2 FINANCIAL LLC $445,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $730,000 $440,000 -39.7% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $1,010,000 $440,000 -56.4% 0.0%
THE MORTGAGE WAREHOUSE,LLC $520,000 $440,000 -15.4% 0.0%
THE EQUITABLE MORTGAGE CORPORATION $435,000 n/a 0.0%
Baxter Credit Union $230,000 $410,000 78.3% 0.0%
ENVOY MORTGAGE, LTD $380,000 $410,000 7.9% 0.0%
The Home Loan Expert LLC $115,000 $410,000 256.5% 0.0%
F & M Bank $395,000 n/a 0.0%
Meade County Bank $420,000 $395,000 -6.0% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $390,000 n/a 0.0%
Gateway First Bank $390,000 n/a 0.0%
SUMMIT FUNDING, INC. $380,000 n/a 0.0%
THE MORTGAGE FIRM, INC. $375,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $370,000 n/a 0.0%
BLUELEAF LENDING, LLC $355,000 n/a 0.0%
First Federal Bank $165,000 $340,000 106.1% 0.0%
MORTGAGE INVESTORS GROUP, INC. $400,000 $340,000 -15.0% 0.0%
Carrollton Bank $335,000 n/a 0.0%
NP, Inc. $195,000 $335,000 71.8% 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $430,000 $325,000 -24.4% 0.0%
Midwest BankCentre $325,000 n/a 0.0%
BancorpSouth Bank $315,000 n/a 0.0%
TRANSCEND $295,000 $310,000 5.1% 0.0%
CREDIT UNION OF NEW JERSEY $305,000 n/a 0.0%
Citibank $300,000 n/a 0.0%
Devon Bank $300,000 n/a 0.0%
ARC HOME LLC $760,000 $295,000 -61.2% 0.0%
HOMESTAR FINANCIAL CORPORATION $175,000 $290,000 65.7% 0.0%
INTERLINC MORTGAGE SERVICES, LLC $585,000 $290,000 -50.4% 0.0%
COMPEER FINANCIAL, FLCA $275,000 n/a 0.0%
Discover Bank $270,000 n/a 0.0%
GERSHMAN INVESTMENT CORP. $270,000 n/a 0.0%
Colonial Savings, F.A. $265,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $265,000 n/a 0.0%
Union Savings Bank $145,000 $265,000 82.8% 0.0%
Third Federal Savings and Loan Association of Cleveland $295,000 $260,000 -11.9% 0.0%
BOKF $255,000 n/a 0.0%
OPEN MORTGAGE, LLC $1,480,000 $255,000 -82.8% 0.0%
Bank of Tennessee $245,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $245,000 n/a 0.0%
The Central Trust Bank $245,000 n/a 0.0%
Valley National Bank $245,000 n/a 0.0%
Armed Forces Bank $235,000 n/a 0.0%
ASHLAND Credit Union $235,000 n/a 0.0%
GENISYS $235,000 n/a 0.0%
MLD MORTGAGE INC. $235,000 n/a 0.0%
PHH Mortgage Corporation $515,000 $235,000 -54.4% 0.0%
Plains Commerce Bank $945,000 $235,000 -75.1% 0.0%
The Citizens National Bank of Somerset $235,000 n/a 0.0%
BNC National Bank $825,000 $225,000 -72.7% 0.0%
The Federal Savings Bank $2,005,000 $225,000 -88.8% 0.0%
Trustmark National Bank $115,000 $225,000 95.7% 0.0%
First National Bank of America $220,000 n/a 0.0%
DAS Acquisition Company, LLC $215,000 n/a 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $215,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $155,000 $215,000 38.7% 0.0%
Ixonia Bank $215,000 n/a 0.0%
Arvest Bank $335,000 $205,000 -38.8% 0.0%
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION $205,000 n/a 0.0%
Independent Bank $275,000 $195,000 -29.1% 0.0%
MYCUMORTGAGE, LLC $195,000 n/a 0.0%
UNIFY FINANCIAL Credit Union $195,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $90,000 $190,000 111.1% 0.0%
TOP FLITE FINANCIAL, INC. $2,835,000 $190,000 -93.3% 0.0%
PLAZA HOME MORTGAGE, INC. $185,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $185,000 n/a 0.0%
First Financial Bank $160,000 $180,000 12.5% 0.0%
Austin Capital Bank SSB $175,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $175,000 n/a 0.0%
UNITED HOME LOANS, INC. $175,000 n/a 0.0%
BEST CAPITAL FUNDING $245,000 $165,000 -32.7% 0.0%
CLEARPATH LENDING $940,000 $165,000 -82.4% 0.0%
First Federal Bank of Kansas City $165,000 $165,000 0.0% 0.0%
RELIANCE FIRST CAPITAL, LLC $610,000 $165,000 -73.0% 0.0%
ASCEND FEDERAL CREDIT UNION $85,000 $155,000 82.4% 0.0%
IDAHO STATE UNIVERSITY $155,000 n/a 0.0%
PARK COMMUNITY CREDIT UNION, INC. $385,000 $155,000 -59.7% 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $775,000 $155,000 -80.0% 0.0%
FIELD & MAIN BANK, INC. $145,000 n/a 0.0%
First Savings Bank $565,000 $145,000 -74.3% 0.0%
INLANTA MORTGAGE, INC. $145,000 n/a 0.0%
US MORTGAGE CORPORATION $205,000 $145,000 -29.3% 0.0%
Brighton Bank $360,000 $135,000 -62.5% 0.0%
Citadel Servicing Corporation $135,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $135,000 n/a 0.0%
GUARANTEED RATE, INC. $430,000 $135,000 -68.6% 0.0%
Low VA Rates, LLC $1,845,000 $135,000 -92.7% 0.0%
RBC Bank, (Georgia) $135,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $290,000 $125,000 -56.9% 0.0%
Ameris Bank $145,000 $125,000 -13.8% 0.0%
Central Bank & Trust Company $890,000 $125,000 -86.0% 0.0%
CHEVRON $125,000 n/a 0.0%
FAIR WAY LENDING LLC $155,000 $125,000 -19.4% 0.0%
IMPAC MORTGAGE CORP. $480,000 $125,000 -74.0% 0.0%
OCEANSIDE MORTGAGE COMPANY $360,000 $125,000 -65.3% 0.0%
Wilson Bank And Trust $125,000 n/a 0.0%
SPRING EQ, LLC $60,000 $120,000 100.0% 0.0%
NUMARK CREDIT UNION $115,000 n/a 0.0%
Servion, Inc. $115,000 n/a 0.0%
EMM LOANS LLC $105,000 n/a 0.0%
First Home Bank $400,000 $105,000 -73.8% 0.0%
KS StateBank $315,000 $105,000 -66.7% 0.0%
The Citizens National Bank of Bluffton $105,000 n/a 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $85,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $180,000 $85,000 -52.8% 0.0%
ATLANTA POSTAL $55,000 $45,000 -18.2% 0.0%
Park Lane Finance Solutions, LLC $40,000 n/a 0.0%
CITIZENS EQUITY FIRST $35,000 n/a 0.0%
DELTA COMMUNITY CREDIT UNION $35,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $5,000 $25,000 400.0% 0.0%
Planters Bank, Inc. $35,000 $25,000 -28.6% 0.0%

BOWLING GREEN's top lender by overall market share is SOUTH CENTRAL BANK, INC., with 5.5% market share. In second place, with 5.4%, is Edmonton State Bank, having originated $86,090,000 in loans. In third place, with 5.2%, is QUICKEN LOANS, LLC, having originated $82,945,000 in loans. In third place, with 4.6%, is Citizens Bank, having originated $73,695,000 in loans. In third place, with 4.6%, is Republic State Mortgage Co., having originated $73,225,000 in loans.


BOWLING GREEN, KY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,249 $832,185,000 $256,136
Refi 2,540 $534,110,000 $210,280
Cash Out Refi 941 $173,645,000 $184,532
Other 311 $29,335,000 $94,325
Home Improvement 240 $18,970,000 $79,042

Bowling Green's most frequently cited loan purpose was Home Purchase, with 3,249 originations. The 2nd most popular reason was Refi, with 2,540 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 2,690 $628,810,000 $233,758
2.5-3% 2,411 $512,165,000 $212,428
<2.5% 1,106 $231,740,000 $209,530
4-5% 364 $49,580,000 $136,209
5-6% 97 $7,745,000 $79,845
Over 8% 30 $2,430,000 $81,000
6-7% 25 $2,175,000 $87,000
7-8% 21 $2,085,000 $99,286

During 2021, Bowling Green's most frequently originated rate bucket was 3-4%, with 2,690 originations.

Loan Sizing (BOWLING GREEN, KY MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 3,096 $464,230,000 $149,945
$200k-400k 2,396 $634,740,000 $264,917
$100,000 or less 1,379 $87,995,000 $63,811
$400k-600k 288 $135,740,000 $471,319
$600k-1000k 65 $49,395,000 $759,923
$Over $1MM 57 $216,145,000 $3,792,018

BOWLING GREEN's loan sizing saw the bucket of loans from $100k-200k with 3,096 originations, totaling $464,230,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,696 $630,420,000 $233,835
60-80% 2,076 $510,890,000 $246,093
40-60% 925 $154,545,000 $167,076
20-40% 496 $56,290,000 $113,488
Under 20% 309 $14,315,000 $46,327
Over 100% 82 $40,600,000 $495,122

BOWLING GREEN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,696 originations, totaling $630,420,000 in origination value.


Market Conditions (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%) $294,374 (3.0%) 0.84 567
2018-02-01 $239,650 (2.2%) $297,569 (0.3%) 0.86 551
2018-03-01 $239,900 (-2.8%) $296,318 (-1.7%) 0.83 558
2018-04-01 $244,250 (0.1%) $302,951 (1.0%) 0.82 579
2018-05-01 $249,900 (0.2%) $305,877 (0.6%) 0.83 618
2018-06-01 $264,900 (2.6%) $312,867 (0.1%) 0.88 633
2018-07-01 $269,900 (8.0%) $319,565 (6.7%) 0.90 650
2018-08-01 $269,900 (8.0%) $320,783 (5.0%) 0.90 696
2018-09-01 $264,900 (8.8%) $317,659 (3.5%) 0.89 712
2018-10-01 $258,700 (8.0%) $308,555 (0.3%) 0.87 745
2018-11-01 $249,900 (8.8%) $300,324 (0.2%) 0.84 775
2018-12-01 $254,800 (18.0%) $303,668 (4.6%) 0.87 743
2019-01-01 $249,900 (9.9%) $303,205 (3.0%) 0.86 661
2019-02-01 $256,855 (7.2%) $304,212 (2.2%) 0.86 681
2019-03-01 $263,243 (9.7%) $309,214 (4.4%) 0.86 684
2019-04-01 $265,543 (8.7%) $308,317 (1.8%) 0.84 707
2019-05-01 $269,825 (8.0%) $312,394 (2.1%) 0.83 748
2019-06-01 $265,000 (0.0%) $308,036 (-1.5%) 0.82 764
2019-07-01 $259,055 (-4.0%) $298,592 (-6.6%) 0.81 798
2019-08-01 $252,186 (-6.6%) $296,800 (-7.5%) 0.79 794
2019-09-01 $249,900 (-5.7%) $298,632 (-6.0%) 0.79 792
2019-10-01 $249,900 (-3.4%) $294,018 (-4.7%) 0.80 819
2019-11-01 $249,900 (0.0%) $298,229 (-0.7%) 0.81 822
2019-12-01 $252,400 (-0.9%) $309,594 (2.0%) 0.84 698
2020-01-01 $258,900 (3.6%) $310,358 (2.4%) 0.86 643
2020-02-01 $259,900 (1.2%) $316,149 (3.9%) 0.84 616
2020-03-01 $259,900 (-1.3%) $321,200 (3.9%) 0.81 596
2020-04-01 $253,500 (-4.5%) $317,299 (2.9%) 0.79 610
2020-05-01 $259,900 (-3.7%) $319,939 (2.4%) 0.79 590
2020-06-01 $262,400 (-1.0%) $334,356 (8.5%) 0.77 537
2020-07-01 $269,900 (4.2%) $340,010 (13.9%) 0.77 486
2020-08-01 $269,900 (7.0%) $344,411 (16.0%) 0.77 464
2020-09-01 $269,450 (7.8%) $350,599 (17.4%) 0.77 428
2020-10-01 $264,900 (6.0%) $348,443 (18.5%) 0.76 398
2020-11-01 $247,000 (-1.2%) $311,546 (4.5%) 0.71 411
2020-12-01 $239,900 (-5.0%) $308,057 (-0.5%) 0.70 397
2021-01-01 $249,900 (-3.5%) $315,871 (1.8%) 0.74 353
2021-02-01 $244,450 (-5.9%) $308,911 (-2.3%) 0.70 296
2021-03-01 $252,400 (-2.9%) $313,063 (-2.5%) 0.71 297
2021-04-01 $259,900 (2.5%) $327,173 (3.1%) 0.70 235
2021-05-01 $269,900 (3.9%) $356,238 (11.4%) 0.71 231
2021-06-01 $264,900 (1.0%) $358,815 (7.3%) 0.69 241
2021-07-01 $269,900 (0.0%) $367,159 (8.0%) 0.70 284
2021-08-01 $289,000 (7.1%) $373,749 (8.5%) 0.76 328
2021-09-01 $280,250 (4.0%) $369,240 (5.3%) 0.74 353
2021-10-01 $279,900 (5.7%) $372,755 (7.0%) 0.74 372
2021-11-01 $291,400 (18.0%) $377,257 (21.1%) 0.77 531
2021-12-01 $299,900 (25.0%) $382,589 (24.2%) 0.80 324
2022-01-01 $289,900 (16.0%) $375,519 (18.9%) 0.77 260
2022-02-01 $299,200 (22.4%) $371,065 (20.1%) 0.76 231
2022-03-01 $297,400 (17.8%) $377,858 (20.7%) 0.73 189
2022-04-01 $300,000 (15.4%) $381,100 (16.5%) 0.71 198
BOWLING GREEN's median listing price for 2022-04-01 was $300,000, a difference of $40,100 (15.4%) versus the prior year and $2,600 versus the prior month.

BOWLING GREEN's median listing price comes in at 71% of the national average.

BOWLING GREEN's average listing price for 2022-04-01 was $381,100, a difference of $53,927 (16.5%) versus the prior year and $3,242 versus the prior month.

For the 2022-04-01 period, BOWLING GREEN had 198 MLS listings, a difference of 9 listings (5%) versus the prior month and -37 listings (-16%) 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 95 days 2,003 sqft
2018-02-01 96 days 2,037 sqft
2018-03-01 74 days 2,020 sqft
2018-04-01 65 days 2,083 sqft
2018-05-01 60 days 2,083 sqft
2018-06-01 59 days 2,240 sqft
2018-07-01 62 days 2,258 sqft
2018-08-01 63 days 2,288 sqft
2018-09-01 71 days 2,250 sqft
2018-10-01 74 days 2,192 sqft
2018-11-01 77 days 2,119 sqft
2018-12-01 87 days 2,100 sqft
2019-01-01 89 days 2,100 sqft
2019-02-01 88 days 2,100 sqft
2019-03-01 74 days 2,135 sqft
2019-04-01 74 days 2,153 sqft
2019-05-01 65 days 2,147 sqft
2019-06-01 60 days 2,179 sqft
2019-07-01 64 days 2,128 sqft
2019-08-01 70 days 2,083 sqft
2019-09-01 71 days 2,057 sqft
2019-10-01 70 days 2,060 sqft
2019-11-01 71 days 2,050 sqft
2019-12-01 81 days 2,033 sqft
2020-01-01 97 days 2,036 sqft
2020-02-01 99 days 2,050 sqft
2020-03-01 81 days 2,092 sqft
2020-04-01 69 days 2,031 sqft
2020-05-01 74 days 2,008 sqft
2020-06-01 77 days 2,043 sqft
2020-07-01 78 days 2,070 sqft
2020-08-01 72 days 2,092 sqft
2020-09-01 65 days 2,061 sqft
2020-10-01 59 days 2,000 sqft
2020-11-01 53 days 1,868 sqft
2020-12-01 59 days 1,850 sqft
2021-01-01 74 days 1,860 sqft
2021-02-01 71 days 1,796 sqft
2021-03-01 50 days 1,834 sqft
2021-04-01 42 days 1,798 sqft
2021-05-01 43 days 1,855 sqft
2021-06-01 38 days 1,810 sqft
2021-07-01 32 days 1,845 sqft
2021-08-01 35 days 1,942 sqft
2021-09-01 36 days 1,918 sqft
2021-10-01 17 days 1,865 sqft
2021-11-01 18 days 2,006 sqft
2021-12-01 21 days 2,033 sqft
2022-01-01 31 days 1,866 sqft
2022-02-01 48 days 1,820 sqft
2022-03-01 42 days 1,813 sqft
2022-04-01 31 days 1,824 sqft
BOWLING GREEN's median listing age (time on market) for 2022-04-01 was 31 days. This is -25% shorter than the same period one year ago.

BOWLING GREEN's median square footage for active listings during the 2022-04-01 period was 1,824 sqft. One year prior, the average listing was 1,798 sqft.