Top Mortgage Lenders in Lawton, OK

Which mortgage lender in the Lawton, OK area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Lawton, OK area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Lawton, OK area in terms of interest rate is Navy Federal Credit Union, with an average “Rate Difference” of -0.18%. This means that, comparing similar borrowers, Navy Federal Credit Union provided a -0.18% lower interest rate for its customers than other lenders in the area. Navy Federal Credit Union has a market share of 9.9%. On the other hand, the most popular lender in the Lawton, OK area is First United Bank, with a larger market share of 25.5%. First United Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.00% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Lawton, OK area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Lawton, OK is Gateway First Bank. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is First United Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is BancFirst of Oklahoma. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Lawton, OK

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.18%(4.5)9.92%
BancFirst of Oklahoma-0.00%(3.5)11.82%
First United Bank-0.00%(3.5)25.45%
Arvest Bank0.00%(3.5)13.33%
Gateway First Bank0.01%(3.5)11.52%
Flagstar Bank0.04%(3.5)3.81%
Guaranteed Rate0.04%(3.5)4.11%
USAA0.04%(3.5)8.62%
Quicken Loans0.09%(3.0)11.42%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.18%(4.5)11.93%
BancFirst of Oklahoma-0.00%(3.5)10.09%
Arvest Bank0.01%(3.5)12.06%
First United Bank0.01%(3.5)30.28%
Gateway First Bank0.02%(3.5)12.45%
Flagstar Bank0.04%(3.5)4.06%
Guaranteed Rate0.05%(3.0)4.46%
USAA0.05%(3.0)9.44%
Quicken Loans0.13%(3.0)5.24%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.06%(4.0)3.40%
First United Bank-0.06%(4.0)9.79%
Gateway First Bank-0.03%(3.5)8.51%
USAA-0.02%(3.5)5.96%
Guaranteed Rate-0.02%(3.5)2.98%
Arvest Bank-0.02%(3.5)17.45%
BancFirst of Oklahoma-0.01%(3.5)17.45%
Flagstar Bank0.02%(3.5)2.98%
Quicken Loans0.05%(3.0)31.49%
Lender NameRate DifferenceRate RatingMarket Share
Gateway First Bank-0.06%(4.0)8.38%
Arvest Bank-0.03%(3.5)23.70%
First United Bank-0.03%(3.5)13.87%
BancFirst of Oklahoma-0.01%(3.5)24.86%
Guaranteed Rate0.01%(3.5)6.65%
USAA0.02%(3.5)2.89%
Flagstar Bank0.07%(3.0)3.18%
Quicken Loans0.09%(3.0)13.01%
Navy Federal Credit Union0.11%(3.0)3.47%
Lender NameRate DifferenceRate RatingMarket Share
Gateway First Bank-0.08%(4.0)10.19%
Arvest Bank-0.03%(3.5)23.61%
First United Bank-0.02%(3.5)18.52%
BancFirst of Oklahoma0.00%(3.5)21.30%
USAA0.02%(3.5)3.24%
Guaranteed Rate0.02%(3.5)7.87%
Flagstar Bank0.10%(3.0)3.24%
Quicken Loans0.10%(3.0)6.94%
Navy Federal Credit Union0.13%(3.0)5.09%
Lender NameRate DifferenceRate RatingMarket Share
Arvest Bank-0.03%(3.5)23.85%
Guaranteed Rate-0.03%(3.5)4.62%
First United Bank-0.02%(3.5)6.15%
BancFirst of Oklahoma-0.02%(3.5)30.77%
Gateway First Bank0.00%(3.5)5.38%
Navy Federal Credit Union0.00%(3.5)0.77%
USAA0.01%(3.5)2.31%
Flagstar Bank0.03%(3.5)3.08%
Quicken Loans0.07%(3.0)23.08%
Lender NameRate DifferenceRate RatingMarket Share
BancFirst of Oklahoma-0.06%(4.0)14.29%
Flagstar Bank-0.05%(3.5)7.94%
First United Bank-0.04%(3.5)24.87%
Navy Federal Credit Union0.03%(3.5)1.59%
Arvest Bank0.03%(3.5)13.23%
Gateway First Bank0.03%(3.5)19.58%
Guaranteed Rate0.05%(3.5)4.23%
Quicken Loans0.07%(3.0)14.29%
Lender NameRate DifferenceRate RatingMarket Share
BancFirst of Oklahoma-0.06%(4.0)15.20%
Flagstar Bank-0.05%(3.5)8.77%
First United Bank-0.04%(3.5)26.90%
Arvest Bank0.03%(3.5)14.04%
Navy Federal Credit Union0.03%(3.5)1.75%
Gateway First Bank0.03%(3.5)20.47%
Guaranteed Rate0.05%(3.5)4.68%
Quicken Loans0.13%(3.0)8.19%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.01%(3.5)72.22%
Gateway First Bank0.02%(3.5)11.11%
BancFirst of Oklahoma0.03%(3.5)5.56%
Arvest Bank0.03%(3.5)5.56%
First United Bank0.04%(3.5)5.56%
Lender NameRate DifferenceRate RatingMarket Share
First United Bank0.00%(3.5)50.00%
BancFirst of Oklahoma0.00%(3.5)50.00%
Lender NameRate DifferenceRate RatingMarket Share
First United Bank0.00%(3.5)50.00%
BancFirst of Oklahoma0.00%(3.5)50.00%
Insufficient data available.
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.22%(4.5)18.22%
First United Bank0.03%(3.5)34.27%
Gateway First Bank0.04%(3.5)10.63%
Arvest Bank0.04%(3.5)5.64%
BancFirst of Oklahoma0.04%(3.5)0.87%
USAA0.05%(3.0)16.49%
Guaranteed Rate0.07%(3.0)2.17%
Flagstar Bank0.11%(3.0)2.60%
Quicken Loans0.11%(3.0)9.11%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.23%(4.5)20.59%
Arvest Bank0.04%(3.5)4.55%
First United Bank0.04%(3.5)38.50%
BancFirst of Oklahoma0.05%(3.0)1.07%
Gateway First Bank0.06%(3.0)10.16%
USAA0.07%(3.0)17.38%
Guaranteed Rate0.08%(3.0)2.41%
Flagstar Bank0.13%(3.0)2.41%
Quicken Loans0.16%(2.5)2.94%
Lender NameRate DifferenceRate RatingMarket Share
First United Bank-0.08%(4.0)16.09%
Navy Federal Credit Union-0.06%(4.0)8.05%
Gateway First Bank-0.04%(3.5)12.64%
USAA-0.02%(3.5)12.64%
Flagstar Bank0.02%(3.5)3.45%
Arvest Bank0.02%(3.5)10.34%
Guaranteed Rate0.02%(3.5)1.15%
Quicken Loans0.06%(3.0)35.63%

* Data is compiled for the Lawton, OK commuting zone area, which comprises of counties of Comanche County, OK, Cotton County, OK, Jefferson County, OK, Stephens County, OK, and Tillman County, OK. This includes cities/towns/communities of Lawton, OK as well as Duncan, OK, Elgin, OK, Medicine Park, OK, Geronimo, OK, Marlow, OK, Cache, OK, Comanche, OK, Walters, OK, Frederick, OK, Temple, OK, Velma, OK, Grandfield, OK, Ryan, OK, Waurika, OK, Tipton, OK, Ringling, OK, and Davidson, OK. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

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