Mortgage lending in Wichita Falls, TX

2,490 mortgages were originated in the Wichita Falls, TX area in 2025, and here is what they cost.

Loans originated

2,490

Median rate

6.625%

Median lender fees

$4,948

Median loan amount

$175,000

Median spread over APOR

0.215

Paid discount points

35.1%

Received lender credits

28.2%

Purchases / refinances

63.1% / 29.6%

Conventional / FHA / VA

61.9% / 14.9% / 22%

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 79.8% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Wichita Falls, TX area, ranked by volume.