Safe Rate Rankings

Best VA 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,993Fees	0.475%Below	46
3	CORNERSTONE CAPITAL BANK, SSBBank	Exceptional	Strong	Exceptional	Exceptional	Strong	$3,273Fees	0.451%Above	46
4	Arvest BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,864Fees	0.452%Above	66
5	First United Bank and Trust CompanyBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,748Fees	0.199%Above	166
6	Sovereign BankBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$3,108Fees	0.169%Above	50
7	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,729Fees	0.353%Above	17
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$3,521Fees	0.133%Above	16
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,993Fees	0.434%Below	14
10	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$3,295Fees	0.822%Above	28
11	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$1,416Fees	0.015%Below	26
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,993Fees	0.521%Above	285
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,360Fees	0.375%Above	74
14	Stride Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	Sound	$1,633Fees	0.327%Above	10
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,757Fees	0.758%Above	94
16	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,635Fees	0.384%Above	20
17	American Mortgage Bank, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,451Fees	0.488%Above	11
18	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,701Fees	0.505%Above	10
19	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,749Fees	1.386%Above	16

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.