Safe Rate Rankings

Best Conventional Mortgage Lenders in Lawton

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders23

Total Loans1,139

Median Rate Spread0.27%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$106Fees	0.514%Below	55
2	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$1,635Fees	0.384%Above	20
3	First United Bank and Trust CompanyBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,748Fees	0.199%Above	166
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,360Fees	0.375%Above	74
5	Sovereign BankBank	Strong	Sound	Sound	Strong	Exceptional	$3,108Fees	0.169%Above	50
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,993Fees	0.475%Below	46
7	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,757Fees	0.758%Above	94
8	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,864Fees	0.452%Above	66
9	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,993Fees	0.521%Above	285
10	BancFirstBank	Strong	Acceptable	Strong	Strong	Strong	$1,181Fees	0.335%Above	34
11	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Mediocre	Exceptional	Strong	Strong	$3,273Fees	0.451%Above	46
12	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$2,759Fees	0.996%Above	11

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.