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.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,490
- Median rate
- 6.625%
- Median lender fees
- $4,948
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $175,000
- Above the going rate (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.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| American National Bank & Trust | 334 | $4,624 | 6.500% |
| Flat Branch Mortgage, Inc. | 306 | $6,160 | 6.625% |
| Texoma Community Credit Union | 213 | $2,945 | 7.750% |
| Union Square Credit Union | 194 | $3,994 | 6.625% |
| United Shore Financial Services, LLC | 115 | $5,727 | 6.250% |
| Rocket Mortgage, LLC | 104 | $5,964 | 6.990% |
| Mortgage Research Center, LLC | 89 | $4,632 | 6.250% |
| First Bank | 64 | — | 7.500% |
| The Jacksboro National Bank | 59 | — | — |