Mortgage lending in Wichita County, Texas
Lenders in Wichita County, Texas reported 3,296 mortgage applications for 2025, according to the CFPB.
3,296 mortgage applications and 2,066 loans originated in 2025; the denial rate was 18.1% of 2,636 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Wichita Falls, TX MSA.
- 3,296
- Applications
- 2,066
- Loans originated
- 18.1%
- Denial rate
- 478 denied of 2,636 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,296 | 2,066 |
| 2024 | 3,099 | 2,066 |
| 2023 | 2,961 | 2,004 |
| 2022 | 3,581 | 2,386 |
| 2021 | 4,893 | 3,417 |
| 2020 | 4,436 | 3,173 |
| 2019 | 3,272 | 2,335 |
| 2018 | 2,932 | 2,109 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| American National Bank & Trust | 267 | 323 |
| Flat Branch Mortgage, Inc. | 257 | 314 |
| Texoma Community Credit Union | 186 | 192 |
| Union Square Credit Union | 158 | 213 |
| United Wholesale Mortgage | 101 | 141 |
| Rocket Mortgage | 86 | 141 |
| Mortgage Research Center | 74 | 145 |
| First Bank | 63 | 72 |
| Jacksboro National Bank | 48 | 58 |
| Navy Federal Credit Union | 35 | 63 |
| Prosperity Bank | 35 | 46 |
| Residential Wholesale Mortgage | 34 | 45 |
| Pennymac Loan Services LLC | 32 | 73 |
| Freedom Mortgage Corporation | 31 | 57 |
| loanDepot.com LLC | 26 | 51 |
| Primelending | 25 | 38 |
| Wichita Falls Teachers FCU | 25 | 25 |
| 21ST Mortgage | 23 | 119 |
| Nationstar Mortgage | 19 | 28 |
| Kind Lending, LLC | 17 | 27 |
| Usaa Federal Savings Bank | 16 | 33 |
| Guild Mortgage Company | 14 | 17 |
| First National Bank Mortgage | 14 | 18 |
| JPMorgan Chase Bank, NA | 13 | 21 |
| Newrez LLC | 12 | 40 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 38 | no rate: base under 50 |
| Asian | 80 | 13.3% of 60 decided |
| Black or African American | 159 | 28.3% of 127 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,212 | 17.3% of 1,807 decided |
| 2 or more minority races | 11 | no rate: base under 50 |
| Joint | 97 | 18.2% of 77 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 690 | 17.2% of 517 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 353 | 20.1% of 279 decided |
| Not Hispanic or Latino | 2,127 | 18.5% of 1,727 decided |
| Joint | 156 | 17.9% of 123 decided |
| Ethnicity Not Available | 660 | 15.8% of 507 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,131 | 20.6% of 904 decided |
| Female | 607 | 22.3% of 489 decided |
| Joint | 1,153 | 14.8% of 934 decided |
| Sex Not Available | 405 | 14.6% of 309 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1661 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved