Lawton VA Loan Rates, Closing Costs & Stats
LAWTON, OK
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
Lawton's 74 lenders originated 972 VA loans during 2024. The total origination value was $237,320,000, with an average VA loan value of $244,156.
Lawton VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Lawton
averaged
6.4%
for the week of 2025-04-04, compared to the national average (all VA variants) of
6.06% for the same period.
Lawton's average VA mortgage closing costs are $5,424.
The average rate for the prior week (2025-03-28) was
6.42% and
one month ago for the week of 2025-02-28, the
average rate was 6.59%.
The average rate one year ago was 6.5%.
For refis of the same type during the week of 2025-04-04, the average rate
was 5.94%.
Lawton VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Lawton level.
The top Lawton VA lender as defined by loan originations is Mortgage Research Center, LLC, with
287 VA loans originated. Their average total fees are
$4,942, which is $3,317
lower than the next largest lender,
First United Bank and Trust Company.
The lowest fee Lawton VA lenders (with over 10 loans originated) are
MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,612), NAVY FEDERAL CREDIT UNION ($4,476), Arvest Bank ($4,723), Mortgage Research Center, LLC ($4,942) and PRIMELENDING, A PLAINSCAPITAL COMPANY ($5,199).
The lowest rate Lawton VA lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (4.94%), PENNYMAC LOAN SERVICES, LLC (5.73%), VILLAGE CAPITAL MORTGAGE (5.97%), UNITED WHOLESALE MORTGAGE, LLC (6.00%) and NAVY FEDERAL CREDIT UNION (6.02%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Lawton (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $109,925 (-1.8%) | $135,906 (2.5%) | 0.00 | 777 |
2018-02-01 | $113,675 (-0.9%) | $139,216 (2.6%) | 0.00 | 777 |
2018-03-01 | $119,900 (2.4%) | $145,093 (3.8%) | 0.00 | 759 |
2018-04-01 | $119,950 (4.3%) | $147,363 (4.8%) | 0.00 | 757 |
2018-05-01 | $118,700 (-0.5%) | $146,459 (2.4%) | 0.00 | 778 |
2018-06-01 | $119,900 (0.8%) | $148,132 (3.8%) | 0.00 | 782 |
2018-07-01 | $119,575 (1.3%) | $148,712 (4.2%) | 0.00 | 796 |
2018-08-01 | $119,950 (3.9%) | $149,194 (7.5%) | 0.00 | 769 |
2018-09-01 | $127,750 (14.1%) | $152,244 (11.9%) | 0.00 | 742 |
2018-10-01 | $121,375 (10.4%) | $149,056 (9.2%) | 0.00 | 724 |
2018-11-01 | $119,900 (4.3%) | $147,890 (7.0%) | 0.00 | 707 |
2018-12-01 | $119,000 (8.2%) | $145,229 (6.0%) | 0.00 | 715 |
2019-01-01 | $118,250 (7.6%) | $144,885 (6.6%) | 0.00 | 661 |
2019-02-01 | $117,450 (3.3%) | $144,212 (3.6%) | 0.00 | 656 |
2019-03-01 | $119,943 (0.0%) | $148,701 (2.5%) | 0.00 | 642 |
2019-04-01 | $119,993 (0.0%) | $151,109 (2.5%) | 0.00 | 617 |
2019-05-01 | $119,963 (1.1%) | $150,002 (2.4%) | 0.00 | 608 |
2019-06-01 | $120,000 (0.1%) | $147,013 (-0.8%) | 0.00 | 600 |
2019-07-01 | $124,450 (4.1%) | $148,589 (-0.1%) | 0.00 | 600 |
2019-08-01 | $121,791 (1.5%) | $149,185 (0.0%) | 0.00 | 599 |
2019-09-01 | $120,727 (-5.5%) | $150,269 (-1.3%) | 0.00 | 588 |
2019-10-01 | $120,568 (-0.7%) | $152,970 (2.6%) | 0.00 | 586 |
2019-11-01 | $123,500 (3.0%) | $156,902 (6.1%) | 0.00 | 574 |
2019-12-01 | $122,875 (3.3%) | $156,470 (7.7%) | 0.00 | 568 |
2020-01-01 | $121,725 (2.9%) | $157,103 (8.4%) | 0.00 | 540 |
2020-02-01 | $119,900 (2.1%) | $154,333 (7.0%) | 0.00 | 531 |
2020-03-01 | $120,900 (0.8%) | $155,590 (4.6%) | 0.00 | 504 |
2020-04-01 | $120,750 (0.6%) | $161,000 (6.6%) | 0.00 | 461 |
2020-05-01 | $121,000 (0.9%) | $165,327 (10.2%) | 0.00 | 430 |
2020-06-01 | $122,475 (2.1%) | $165,694 (12.7%) | 0.00 | 369 |
2020-07-01 | $129,700 (4.2%) | $168,677 (13.5%) | 0.00 | 311 |
2020-08-01 | $125,900 (3.4%) | $167,795 (12.5%) | 0.00 | 285 |
2020-09-01 | $121,375 (0.5%) | $162,413 (8.1%) | 0.00 | 285 |
2020-10-01 | $118,500 (-1.7%) | $157,649 (3.1%) | 0.00 | 285 |
2020-11-01 | $115,500 (-6.5%) | $157,103 (0.1%) | 0.00 | 272 |
2020-12-01 | $115,825 (-5.7%) | $155,243 (-0.8%) | 0.00 | 262 |
2021-01-01 | $104,975 (-13.8%) | $141,600 (-9.9%) | 0.00 | 235 |
2021-02-01 | $98,700 (-17.7%) | $141,272 (-8.5%) | 0.00 | 200 |
2021-03-01 | $105,750 (-12.5%) | $159,057 (2.2%) | 0.00 | 154 |
2021-04-01 | $107,625 (-10.9%) | $159,118 (-1.2%) | 0.00 | 158 |
2021-05-01 | $106,000 (-12.4%) | $154,912 (-6.3%) | 0.00 | 151 |
2021-06-01 | $113,725 (-7.1%) | $167,473 (1.1%) | 0.00 | 190 |
2021-07-01 | $119,900 (-7.6%) | $172,640 (2.4%) | 0.00 | 240 |
2021-08-01 | $119,700 (-4.9%) | $167,261 (-0.3%) | 0.00 | 255 |
2021-09-01 | $112,200 (-7.6%) | $159,670 (-1.7%) | 0.00 | 268 |
2021-10-01 | $110,000 (-7.2%) | $161,035 (2.2%) | 0.00 | 277 |
2021-11-01 | $108,875 (-5.7%) | $166,872 (6.2%) | 0.00 | 258 |
2021-12-01 | $107,700 (-7.0%) | $165,814 (6.8%) | 0.00 | 241 |
2022-01-01 | $109,900 (4.7%) | $169,460 (19.7%) | 0.00 | 185 |
2022-02-01 | $108,450 (9.9%) | $166,291 (17.7%) | 0.00 | 159 |
2022-03-01 | $99,700 (-5.7%) | $168,989 (6.2%) | 0.00 | 156 |
2022-04-01 | $132,000 (22.7%) | $189,489 (19.1%) | 0.00 | 167 |
2022-05-01 | $145,000 (36.8%) | $199,180 (28.6%) | 0.00 | 184 |
2022-06-01 | $144,749 (27.3%) | $195,705 (16.9%) | 0.00 | 250 |
2022-07-01 | $155,000 (29.3%) | $204,593 (18.5%) | 0.00 | 288 |
2022-08-01 | $159,725 (33.4%) | $210,836 (26.1%) | 0.00 | 275 |
2022-09-01 | $144,325 (28.6%) | $203,627 (27.5%) | 0.00 | 291 |
2022-10-01 | $159,450 (45.0%) | $212,677 (32.1%) | 0.00 | 330 |
2022-11-01 | $186,432 (71.2%) | $216,195 (29.6%) | 0.00 | 326 |
2022-12-01 | $183,465 (70.4%) | $210,295 (26.8%) | 0.00 | 319 |
2023-01-01 | $186,600 (69.8%) | $217,067 (28.1%) | 0.00 | 297 |
2023-02-01 | $216,488 (99.6%) | $237,921 (43.1%) | 0.00 | 269 |
2023-03-01 | $230,000 (130.7%) | $263,229 (55.8%) | 0.00 | 242 |
2023-04-01 | $235,000 (78.0%) | $263,588 (39.1%) | 0.00 | 239 |
2023-05-01 | $240,750 (66.0%) | $273,275 (37.2%) | 0.00 | 252 |
2023-06-01 | $252,450 (74.4%) | $281,176 (43.7%) | 0.00 | 244 |
2023-07-01 | $235,000 (51.6%) | $271,808 (32.9%) | 0.00 | 247 |
2023-08-01 | $227,625 (42.5%) | $267,915 (27.1%) | 0.00 | 244 |
2023-09-01 | $225,000 (55.9%) | $248,148 (21.9%) | 0.00 | 262 |
2023-10-01 | $195,500 (22.6%) | $229,974 (8.1%) | 0.00 | 293 |
2023-11-01 | $189,125 (1.4%) | $223,673 (3.5%) | 0.00 | 303 |
2023-12-01 | $195,000 (6.3%) | $225,324 (7.2%) | 0.00 | 313 |
2024-01-01 | $203,688 (9.2%) | $231,902 (6.8%) | 0.00 | 288 |
2024-02-01 | $197,000 (-9.0%) | $232,670 (-2.2%) | 0.00 | 279 |
2024-03-01 | $193,450 (-15.9%) | $238,031 (-9.6%) | 0.00 | 280 |
2024-04-01 | $210,000 (-10.6%) | $244,216 (-7.4%) | 0.00 | 297 |
2024-05-01 | $214,000 (-11.1%) | $251,069 (-8.1%) | 0.00 | 297 |
2024-06-01 | $215,000 (-14.8%) | $246,623 (-12.3%) | 0.00 | 339 |
2024-07-01 | $212,500 (-9.6%) | $238,638 (-12.2%) | 0.00 | 361 |
2024-08-01 | $199,900 (-12.2%) | $230,759 (-13.9%) | 0.00 | 385 |
2024-09-01 | $184,631 (-17.9%) | $221,711 (-10.7%) | 0.00 | 426 |
2024-10-01 | $192,725 (-1.4%) | $223,785 (-2.7%) | 0.00 | 425 |
2024-11-01 | $171,000 (-9.6%) | $213,781 (-4.4%) | 0.00 | 421 |
2024-12-01 | $174,700 (-10.4%) | $215,174 (-4.5%) | 0.00 | 403 |
2025-01-01 | $176,325 (-13.4%) | $216,278 (-6.7%) | 0.00 | 403 |
2025-02-01 | $179,475 (-8.9%) | $214,426 (-7.8%) | 0.00 | 391 |
2025-03-01 | $190,000 (-1.8%) | $224,757 (-5.6%) | 0.00 | 367 |
Lawton's median listing price comes in at 0% of the national average.
Lawton's average listing price for 2025-03-01 was $224,757, a difference of $-13,274 (-5.6%) versus the prior year and $10,331 versus the prior month.
For the 2025-03-01 period, Lawton had 367 MLS listings, a difference of -24 listings (-6%) versus the prior month and 87 listings (31%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Lawton (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,600 sqft |
2018-02-01 | 0 days | 1,600 sqft |
2018-03-01 | 0 days | 1,600 sqft |
2018-04-01 | 0 days | 1,600 sqft |
2018-05-01 | 0 days | 1,600 sqft |
2018-06-01 | 0 days | 1,600 sqft |
2018-07-01 | 0 days | 1,600 sqft |
2018-08-01 | 0 days | 1,600 sqft |
2018-09-01 | 0 days | 1,600 sqft |
2018-10-01 | 0 days | 1,600 sqft |
2018-11-01 | 0 days | 1,600 sqft |
2018-12-01 | 0 days | 1,600 sqft |
2019-01-01 | 0 days | 1,600 sqft |
2019-02-01 | 0 days | 1,600 sqft |
2019-03-01 | 0 days | 1,600 sqft |
2019-04-01 | 0 days | 1,600 sqft |
2019-05-01 | 0 days | 1,600 sqft |
2019-06-01 | 0 days | 1,600 sqft |
2019-07-01 | 0 days | 1,600 sqft |
2019-08-01 | 0 days | 1,600 sqft |
2019-09-01 | 0 days | 1,600 sqft |
2019-10-01 | 0 days | 1,600 sqft |
2019-11-01 | 0 days | 1,600 sqft |
2019-12-01 | 0 days | 1,600 sqft |
2020-01-01 | 0 days | 1,600 sqft |
2020-02-01 | 0 days | 1,600 sqft |
2020-03-01 | 0 days | 1,600 sqft |
2020-04-01 | 0 days | 1,600 sqft |
2020-05-01 | 0 days | 1,600 sqft |
2020-06-01 | 0 days | 1,612 sqft |
2020-07-01 | 0 days | 1,700 sqft |
2020-08-01 | 0 days | 1,653 sqft |
2020-09-01 | 0 days | 1,600 sqft |
2020-10-01 | 0 days | 1,600 sqft |
2020-11-01 | 0 days | 1,600 sqft |
2020-12-01 | 0 days | 1,600 sqft |
2021-01-01 | 0 days | 1,500 sqft |
2021-02-01 | 0 days | 1,500 sqft |
2021-03-01 | 0 days | 1,450 sqft |
2021-04-01 | 0 days | 1,494 sqft |
2021-05-01 | 0 days | 1,500 sqft |
2021-06-01 | 0 days | 1,540 sqft |
2021-07-01 | 0 days | 1,500 sqft |
2021-08-01 | 0 days | 1,500 sqft |
2021-09-01 | 0 days | 1,400 sqft |
2021-10-01 | 0 days | 1,400 sqft |
2021-11-01 | 0 days | 1,400 sqft |
2021-12-01 | 0 days | 1,400 sqft |
2022-01-01 | 0 days | 1,400 sqft |
2022-02-01 | 0 days | 1,400 sqft |
2022-03-01 | 0 days | 1,450 sqft |
2022-04-01 | 0 days | 1,600 sqft |
2022-05-01 | 0 days | 1,600 sqft |
2022-06-01 | 0 days | 1,600 sqft |
2022-07-01 | 0 days | 1,600 sqft |
2022-08-01 | 0 days | 1,625 sqft |
2022-09-01 | 0 days | 1,600 sqft |
2022-10-01 | 0 days | 1,664 sqft |
2022-11-01 | 0 days | 1,700 sqft |
2022-12-01 | 0 days | 1,700 sqft |
2023-01-01 | 0 days | 1,701 sqft |
2023-02-01 | 0 days | 1,800 sqft |
2023-03-01 | 0 days | 1,804 sqft |
2023-04-01 | 0 days | 1,820 sqft |
2023-05-01 | 0 days | 1,850 sqft |
2023-06-01 | 0 days | 1,900 sqft |
2023-07-01 | 0 days | 1,900 sqft |
2023-08-01 | 0 days | 1,800 sqft |
2023-09-01 | 0 days | 1,800 sqft |
2023-10-01 | 0 days | 1,800 sqft |
2023-11-01 | 0 days | 1,700 sqft |
2023-12-01 | 0 days | 1,700 sqft |
2024-01-01 | 0 days | 1,782 sqft |
2024-02-01 | 0 days | 1,762 sqft |
2024-03-01 | 0 days | 1,700 sqft |
2024-04-01 | 0 days | 1,700 sqft |
2024-05-01 | 0 days | 1,800 sqft |
2024-06-01 | 0 days | 1,714 sqft |
2024-07-01 | 0 days | 1,700 sqft |
2024-08-01 | 0 days | 1,700 sqft |
2024-09-01 | 0 days | 1,632 sqft |
2024-10-01 | 0 days | 1,686 sqft |
2024-11-01 | 0 days | 1,600 sqft |
2024-12-01 | 0 days | 1,607 sqft |
2025-01-01 | 0 days | 1,676 sqft |
2025-02-01 | 0 days | 1,693 sqft |
2025-03-01 | 0 days | 1,700 sqft |
Lawton's median square footage for active listings during the 2025-03-01 period was 1,700 sqft. One year prior, the average listing was 1,700 sqft.