Mortgage Loans in Lawton, OK

Today’s Fed Funds Effective Rate is 4.25%, which is lower than 30 days ago when it was 4.50%. The Fed Funds rate influences mortgage rates because it affects the cost banks pay to borrow money, which can impact the interest rates lenders offer to homebuyers.

Affinity offers a 15-year conventional fixed rate at 5.125% and a 30-year conventional fixed at 5.75%, both unchanged from last week but up 13 bp from a month ago. Their 3-, 5-, and 7-year adjustable rates remain steady at 4.375%, 4.5%, and 4.75%, respectively. The 30-year fixed rate is today 5.75%, and the 15-year fixed is 5.125%. State Department shows a 15-year conventional fixed rate today at 4.875% and a 30-year conventional fixed at 5.625%. The 30-year jumbo fixed rate matches the conventional at 5.625%. Adjustable rates include a 5-year ARM at 5.25%, a 7-year ARM also at 5.25%, and a 10-year ARM at 5.5%.

Navy Federal Credit Union offers a 15-year conventional fixed rate at 4.875% and a 30-year conventional fixed rate at 5.625%, both unchanged from a week ago. The 15-year conventional and 30-year conventional refinance rates match these fixed rates. The 30-year VA purchase rate is steady at 5.375%, while the 30-year jumbo purchase rate is 5.875%, down 13 bp from last week. FHA 3-year and 5-year ARMs are at 5.0% and 5.25%, respectively, with a slight 30-day drop of 13 bp. Affinity Plus offers a 30-year Conventional Fixed rate at 6.0%, down 13 bp from 30 days ago. The 15-year Conventional Fixed is at 5.5%. Jumbo 30-year Fixed loans are also at 6.0%, down 13 bp from a month ago. Adjustable 5-year ARMs hold steady at 4.875%, and 7-year ARMs are 5.125%. VA 30-year Fixed loans remain at 6.625%.

Digital shows a 15-year Conventional Fixed rate today at 5.375%, up 13 bp from a week ago, and a 30-year Conventional Fixed and 30-year Conventional Refi both at 6.0%. The 30-year rates are up 25 bp from a month ago, while the 15-year Refi rate is steady at 5.375%. The 15-year Conventional Fixed rate has held steady over the past week. Advancial offers a 15-year conventional fixed rate at 5.125%, unchanged from a week ago but up 25 bp from a month ago. Their 30-year conventional fixed rate is steady at 5.875%, holding firm over the past week and month. The 30-year jumbo fixed rate is 6.0%, down 13 bp from last week.

Connexus offers a 15-year Conventional Fixed at 5.125%, down 13 bp from last week, and a 30-year Conventional Fixed steady at 5.875%. Their 15-year Conventional ARM is 5.75%, unchanged from a week ago, while the 30-year Conventional ARM holds at 6.375%. FHA loans include a 3-year ARM at 5.25%, which dropped 50 bp over the past month, and a 5-year ARM at 5.75%, down 49 bp in 30 days. Nasa offers a 15-year conventional fixed rate at 5.25%, steady from a week ago, and a 30-year conventional fixed at 5.875%, up 13 bp from a month ago. FHA 30-year fixed rose 25 bp in the past week to 6.0%. VA 30-year fixed increased 13 bp to 5.625%. Jumbo 30-year fixed climbed 13 bp to 6.625%.

Consumers offer a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 6.25%, down 13 bp from a week ago. The Jumbo 30-year Fixed rate holds steady at 6.375%. Consumers also have a 5-year ARM at 5.625%, down 13 bp from 30 days ago. Truity offers a 15-year fixed mortgage at 5.75% and a 30-year fixed at 6.5% as of October 13, 2025.