Mortgage lending in Wichita County
2,066 mortgages were originated in Wichita County, Texas, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,066
- Median rate
- 6.625%
- Median lender fees
- $4,931
- Median loan amount
- $165,000
- Median spread over APOR
- 0.196
- Paid discount points
- 35.3%
- Received lender credits
- 28.2%
- Purchases / refinances
- 63.4% / 29.7%
- Conventional / FHA / VA
- 60.5% / 14.9% / 23.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 80.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Wichita County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| American National Bank & Trust | 267 | $4,631 | 6.500% |
| FLAT BRANCH MORTGAGE, INC. | 257 | $6,287 | 6.625% |
| TEXOMA COMMUNITY CREDIT UNION | 186 | $2,945 | 7.500% |
| UNION SQUARE CREDIT UNION | 158 | $4,008 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 101 | $5,405 | 6.250% |
| Rocket Mortgage, LLC | 86 | $5,657 | 6.990% |
| Mortgage Research Center, LLC | 74 | $4,715 | 6.250% |
| First Bank | 63 | — | 7.500% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Wichita County — not a rule of thumb.
From 1,659 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers