# Best VA Mortgage Lenders in Enid, OK

**As of:** 2026-05-20

Compare the top VA mortgage lenders in Enid, OK. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/enid-ok/best-mortgage-lenders/va-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:** 10
- **Total Loans:** 397
- **Median Rate Spread:** 0.43229999999999996%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Great Plains National Bank | 89 | 60 | 88 | 64 | Bank |
| 2 | Gateway First Bank | 83 | 42 | 78 | 90 | Bank |
| 3 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 50 | Independent Mortgage Company |
| 4 | NBKC BANK | 83 | 91 | 75 | 16 | Bank |
| 5 | FINANCIAL CONCEPTS MORTGAGE, LLC | 75 | 35 | 91 | 52 | Independent Mortgage Company |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 64 | 83 | 13 | Independent Mortgage Company |
| 7 | Mortgage Research Center, LLC | 71 | 34 | 61 | 31 | 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 Enid, OK.

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.