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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Lawton
Updated February 6, 2026
Market Overview
23
Total Lenders
1,139
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $106 | -0.514% | 55 | |
2 | Sovereign Bank | Strong | Sound | Strong | Exceptional | $3,108 | +0.169% | 50 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,993 | -0.475% | 46 | |
4 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Sound | $1,635 | +0.384% | 20 | |
5 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,993 | +0.521% | 285 | |
6 | First United Bank and Trust Company | Strong | Acceptable | Strong | Exceptional | $1,748 | +0.199% | 166 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,757 | +0.758% | 94 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,360 | +0.375% | 74 | |
9 | Arvest Bank | Strong | Acceptable | Strong | Strong | $1,864 | +0.452% | 66 | |
10 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $3,273 | +0.451% | 46 | |
11 | BancFirst | Strong | Acceptable | Strong | Strong | $1,181 | +0.335% | 34 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,295 | +0.822% | 28 | |
13 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,416 | -0.015% | 26 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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