WICHITA FALLS Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Wichita Falls averaged
5.55%
for the week of 2022-05-12, compared to the national average of
5.3% for the same period.
The average rate for the prior week (2022-05-05) was
5.32% and
one month ago for the week of 2022-04-07, the
average rate was 4.97%.
Wichita Falls's average rate one year ago was 3.26%.
For refis of the same type during the week of 2022-05-12, the average rate
was 5.62%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-12 | 5.3% |
| Wichita Falls 30 Year Fixed Rate | 2022-05-12 | 5.55% |
| Wichita Falls 30 Year Fixed Rate Refi | 2022-05-12 | 5.62% |
| Wichita Falls 15 Year Fixed Rate | 2022-05-12 | 5.6% |
| Wichita Falls 15 Year Fixed Rate Refi | 2022-05-12 | 4.55% |
| Wichita Falls 30 Year FHA | 2022-05-12 | 5.15% |
| Wichita Falls 30 Year FHA Refi | 2022-05-12 | 5.39% |
| Wichita Falls 30 Year USDA | 2022-05-12 | 5.45% |
| Wichita Falls 30 Year VA | 2022-05-12 | 5.53% |
| Wichita Falls 30 Year VA Refi | 2022-05-12 | 5.27% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within WICHITA FALLS, TX.
WICHITA FALLS Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the WICHITA FALLS, TX market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
WICHITA FALLS, TX's 119 lenders originated 3,864
loans during 2021. The total origination value was $671,840,000, with an average loan value of
$173,872.
The top WICHITA FALLS lender as defined by loan originations is American National Bank & Trust, with
225 loans originated. Their average total fees are
$2,925, which is $540
lower than the next largest lender,
UNION SQUARE.
The lowest fee WICHITA FALLS lenders (with over 10 loans originated) are
ARK-LA-TEX FINANCIAL SERVICES, LLC. ($2,475), TEXOMA COMMUNITY CREDIT UNION ($2,884), American National Bank & Trust ($2,925), JPMorgan Chase Bank ($3,114) and First Bank & Trust ($3,316).
The lowest rate WICHITA FALLS lenders (with over 10 loans originated) are
American National Bank & Trust (3.00%), UNION SQUARE (3.01%), UNITED WHOLESALE MORTGAGE, LLC (3.02%), First National Bank (3.10%) and PRIMELENDING, A PLAINSCAPITAL COMPANY (3.16%).
WICHITA FALLS, TX Lender Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| American National Bank & Trust | $129,290,000 | $96,240,000 | -25.6% | 14.3% |
| UNION SQUARE | $99,305,000 | $94,600,000 | -4.7% | 14.1% |
| The Jacksboro National Bank | $42,320,000 | $49,690,000 | 17.4% | 7.4% |
| QUICKEN LOANS, LLC | $20,365,000 | $35,465,000 | 74.1% | 5.3% |
| Mortgage Research Center, LLC | $21,355,000 | $26,985,000 | 26.4% | 4.0% |
| First Bank | $30,860,000 | $26,270,000 | -14.9% | 3.9% |
| First Bank & Trust | $31,155,000 | $23,385,000 | -24.9% | 3.5% |
| FREEDOM MORTGAGE CORPORATION | $14,215,000 | $17,845,000 | 25.5% | 2.7% |
| Wells Fargo Bank | $11,735,000 | $17,280,000 | 47.3% | 2.6% |
| First National Bank | $10,880,000 | $16,960,000 | 55.9% | 2.5% |
| TEXOMA COMMUNITY CREDIT UNION | $10,910,000 | $16,270,000 | 49.1% | 2.4% |
| FirstCapital Bank of Texas | $7,090,000 | $13,090,000 | 84.6% | 1.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $8,015,000 | $10,875,000 | 35.7% | 1.6% |
| CALIBER HOME LOANS, INC. | $5,345,000 | $10,385,000 | 94.3% | 1.5% |
| USAA Federal Savings Bank | $9,340,000 | $10,375,000 | 11.1% | 1.5% |
| First United Bank | $8,910,000 | $8,400,000 | -5.7% | 1.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,100,000 | $8,240,000 | 165.8% | 1.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,320,000 | $7,250,000 | 67.8% | 1.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,485,000 | $7,215,000 | 385.9% | 1.1% |
| JPMorgan Chase Bank | $2,970,000 | $6,905,000 | 132.5% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $3,800,000 | $6,605,000 | 73.8% | 1.0% |
| Legend Bank, N.A. | $10,830,000 | $6,495,000 | -40.0% | 1.0% |
| FIRST TECHNOLOGY | $6,335,000 | n/a | 0.9% | |
| LOANDEPOT.COM, LLC | $2,770,000 | $5,730,000 | 106.9% | 0.9% |
| GUILD MORTGAGE COMPANY | $4,160,000 | $4,650,000 | 11.8% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $1,435,000 | $4,620,000 | 222.0% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $4,405,000 | $4,620,000 | 4.9% | 0.7% |
| U.S. Bank | $1,025,000 | $4,410,000 | 330.2% | 0.7% |
| Washington Federal Bank | $3,725,000 | n/a | 0.6% | |
| LAKEVIEW LOAN SERVICING, LLC | $1,550,000 | $3,475,000 | 124.2% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,530,000 | $3,445,000 | 36.2% | 0.5% |
| HOME POINT FINANCIAL CORPORATION | $1,585,000 | $3,385,000 | 113.6% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $880,000 | $2,890,000 | 228.4% | 0.4% |
| FLAT BRANCH MORTGAGE, INC. | $85,000 | $2,835,000 | 3,235.3% | 0.4% |
| BROKER SOLUTIONS, INC. | $1,165,000 | $2,570,000 | 120.6% | 0.4% |
| POSTEL FAMILY CREDIT UNION | $1,435,000 | $2,560,000 | 78.4% | 0.4% |
| 21ST MORTGAGE CORPORATION | $1,500,000 | $2,210,000 | 47.3% | 0.3% |
| Flagstar Bank, FSB | $825,000 | $2,105,000 | 155.2% | 0.3% |
| GUARANTEED RATE, INC. | $1,135,000 | $2,030,000 | 78.9% | 0.3% |
| AmeriHome Mortgage Company, LLC | $1,500,000 | $1,960,000 | 30.7% | 0.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $1,115,000 | $1,960,000 | 75.8% | 0.3% |
| NEWREZ LLC | $1,445,000 | $1,955,000 | 35.3% | 0.3% |
| CLEARPATH LENDING | $1,290,000 | $1,940,000 | 50.4% | 0.3% |
| Carrington Mortgage Services, LLC | $1,475,000 | $1,875,000 | 27.1% | 0.3% |
| LOANPAL, LLC | $55,000 | $1,875,000 | 3,309.1% | 0.3% |
| NEW DAY FINANCIAL, LLC | $2,410,000 | $1,795,000 | -25.5% | 0.3% |
| CommunityBank of Texas, N.A. | $1,715,000 | n/a | 0.3% | |
| Gateway First Bank | $1,645,000 | $1,505,000 | -8.5% | 0.2% |
| GREAT WESTERN FINANCIAL SERVICES, INC. | $320,000 | $1,500,000 | 368.8% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $900,000 | $1,490,000 | 65.6% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $1,715,000 | $1,470,000 | -14.3% | 0.2% |
| BETTER MORTGAGE CORPORATION | $520,000 | $1,445,000 | 177.9% | 0.2% |
| NexBank | $280,000 | $1,370,000 | 389.3% | 0.2% |
| EVERETT FINANCIAL, INC. | $5,300,000 | $1,345,000 | -74.6% | 0.2% |
| First United Bank and Trust Company | $1,145,000 | $1,280,000 | 11.8% | 0.2% |
| City Bank | $185,000 | $1,265,000 | 583.8% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $1,205,000 | n/a | 0.2% | |
| Origin Bank | $1,205,000 | n/a | 0.2% | |
| CHERRY CREEK MORTGAGE, LLC | $1,200,000 | n/a | 0.2% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $635,000 | $1,150,000 | 81.1% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $1,425,000 | $1,135,000 | -20.4% | 0.2% |
| First Guaranty Mortgage Corporation | $990,000 | $1,120,000 | 13.1% | 0.2% |
| Goldwater Bank, N.A. | $250,000 | $1,090,000 | 336.0% | 0.2% |
| MORTGAGE FINANCIAL SERVICES, LLC | $260,000 | $1,050,000 | 303.8% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $1,360,000 | $1,015,000 | -25.4% | 0.2% |
| KELLER MORTGAGE, LLC | $990,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $115,000 | $985,000 | 756.5% | 0.1% |
| Network Funding, L.P. | $1,580,000 | $935,000 | -40.8% | 0.1% |
| AMCAP MORTGAGE, LTD. | $620,000 | $930,000 | 50.0% | 0.1% |
| THRIVE MORTGAGE, LLC | $365,000 | $930,000 | 154.8% | 0.1% |
| Equity Prime Mortgage LLC | $55,000 | $920,000 | 1,572.7% | 0.1% |
| UNION HOME MORTGAGE CORP. | $340,000 | $915,000 | 169.1% | 0.1% |
| First Financial Bank | $1,020,000 | $880,000 | -13.7% | 0.1% |
| The Bennington State Bank | $875,000 | n/a | 0.1% | |
| Republic State Mortgage Co. | $815,000 | $800,000 | -1.8% | 0.1% |
| AMERICAN FINANCING CORPORATION | $760,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $760,000 | n/a | 0.1% | |
| FINANCE OF AMERICA MORTGAGE LLC | $755,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $565,000 | $725,000 | 28.3% | 0.1% |
| SIWELL, INC. | $725,000 | n/a | 0.1% | |
| Chicago Mortgage Solutions LLC | $715,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $705,000 | n/a | 0.1% | |
| Herring Bank | $1,110,000 | $695,000 | -37.4% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $420,000 | $660,000 | 57.1% | 0.1% |
| Colonial Savings, F.A. | $515,000 | $625,000 | 21.4% | 0.1% |
| Prosperity Bank | $3,190,000 | $615,000 | -80.7% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $605,000 | n/a | 0.1% | |
| Strong Home Mortgage, LLC | $590,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $795,000 | $585,000 | -26.4% | 0.1% |
| PNC Bank | $235,000 | $570,000 | 142.6% | 0.1% |
| Regions Bank | $370,000 | $555,000 | 50.0% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $545,000 | n/a | 0.1% | |
| SENTE MORTGAGE, INC. | $545,000 | n/a | 0.1% | |
| A+ Federal Credit Union | $175,000 | $540,000 | 208.6% | 0.1% |
| AgFirst Farm Credit Bank | $550,000 | $535,000 | -2.7% | 0.1% |
| Citizens Bank | $245,000 | $535,000 | 118.4% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $580,000 | $535,000 | -7.8% | 0.1% |
| Bank of America | $565,000 | $530,000 | -6.2% | 0.1% |
| The Huntington National Bank | $525,000 | n/a | 0.1% | |
| ASPIRE FINANCIAL, INC. | $485,000 | $515,000 | 6.2% | 0.1% |
| Low VA Rates, LLC | $820,000 | $505,000 | -38.4% | 0.1% |
| SWBC MORTGAGE CORPORATION | $400,000 | $505,000 | 26.3% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $505,000 | n/a | 0.1% | |
| BancorpSouth Bank | $485,000 | n/a | 0.1% | |
| ACADEMY MORTGAGE CORPORATION | $380,000 | $465,000 | 22.4% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $420,000 | $465,000 | 10.7% | 0.1% |
| FIRST CHOICE MH LLC | $565,000 | $460,000 | -18.6% | 0.1% |
| Stifel Bank and Trust | $440,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $435,000 | n/a | 0.1% | |
| HomeBank Texas | $685,000 | $425,000 | -38.0% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $850,000 | $425,000 | -50.0% | 0.1% |
| Austin Capital Bank SSB | $440,000 | $420,000 | -4.5% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $415,000 | n/a | 0.1% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,310,000 | $410,000 | -68.7% | 0.1% |
| BBVA USA | $255,000 | $405,000 | 58.8% | 0.1% |
| PHH Mortgage Corporation | $95,000 | $405,000 | 326.3% | 0.1% |
| AMERICAN ADVISORS GROUP | $305,000 | $400,000 | 31.1% | 0.1% |
| InterBank | $495,000 | $400,000 | -19.2% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $400,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $550,000 | $395,000 | -28.2% | 0.1% |
| The Federal Savings Bank | $185,000 | $395,000 | 113.5% | 0.1% |
| Ally Bank | $385,000 | n/a | 0.1% | |
| KS StateBank | $345,000 | $380,000 | 10.1% | 0.1% |
| Wallick & Volk, Inc. | $105,000 | $380,000 | 261.9% | 0.1% |
| ZILLOW HOME LOANS, LLC | $320,000 | $375,000 | 17.2% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $365,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $70,000 | $365,000 | 421.4% | 0.1% |
| Nations Lending Corporation | $360,000 | n/a | 0.1% | |
| NBKC BANK | $1,380,000 | $355,000 | -74.3% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $360,000 | $340,000 | -5.6% | 0.1% |
| RESIDENTIAL BANCORP. | $330,000 | n/a | 0.0% | |
| Secured Investment Corp. | $105,000 | $330,000 | 214.3% | 0.0% |
| BOKF | $270,000 | $325,000 | 20.4% | 0.0% |
| CERTAINTY HOME LOANS, LLC | $325,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $325,000 | n/a | 0.0% | |
| Peoples Bank | $325,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $320,000 | n/a | 0.0% | |
| UIF CORPORATION | $315,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $445,000 | $310,000 | -30.3% | 0.0% |
| TIB The Independent Bankersbank | $225,000 | $305,000 | 35.6% | 0.0% |
| First State Bank | $475,000 | $285,000 | -40.0% | 0.0% |
| TEXAS TRUST | $285,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $365,000 | $280,000 | -23.3% | 0.0% |
| RANDOLPH-BROOKS | $325,000 | $280,000 | -13.8% | 0.0% |
| AFFINITY | $275,000 | n/a | 0.0% | |
| Presidential Bank, FSB | $275,000 | n/a | 0.0% | |
| Arvest Bank | $270,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $270,000 | n/a | 0.0% | |
| SFMC, LP | $145,000 | $270,000 | 86.2% | 0.0% |
| BNC National Bank | $265,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $195,000 | $265,000 | 35.9% | 0.0% |
| S1L, Inc. | $265,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $260,000 | n/a | 0.0% | |
| TEXAS TECH | $260,000 | n/a | 0.0% | |
| Community National Bank | $255,000 | n/a | 0.0% | |
| Discover Bank | $210,000 | $255,000 | 21.4% | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $150,000 | $255,000 | 70.0% | 0.0% |
| CELEBRITY HOME LOANS, LLC | $250,000 | n/a | 0.0% | |
| F & M Bank | $240,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $240,000 | n/a | 0.0% | |
| ACCELERATE MORTGAGE, LLC | $235,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $230,000 | $230,000 | 0.0% | 0.0% |
| Servion, Inc. | $250,000 | $230,000 | -8.0% | 0.0% |
| Elements Financial Federal Credit Union | $225,000 | n/a | 0.0% | |
| Guaranty Bank & Trust, N.A. | $225,000 | n/a | 0.0% | |
| InterContinental Capital Group, Inc | $1,225,000 | $225,000 | -81.6% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $225,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $1,290,000 | $220,000 | -82.9% | 0.0% |
| Sunflower Bank | $455,000 | $220,000 | -51.6% | 0.0% |
| AMWEST FUNDING CORP. | $215,000 | n/a | 0.0% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $215,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $285,000 | $210,000 | -26.3% | 0.0% |
| Amerifirst Financial, Inc. | $205,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $205,000 | n/a | 0.0% | |
| NBH Bank | $205,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $205,000 | n/a | 0.0% | |
| TruHome Solutions, LLC | $1,105,000 | $200,000 | -81.9% | 0.0% |
| EMBRACE HOME LOANS, INC. | $195,000 | n/a | 0.0% | |
| STEARNS LENDING, LLC | $195,000 | n/a | 0.0% | |
| WILLOW BEND MORTGAGE COMPANY, LLC | $195,000 | n/a | 0.0% | |
| PILGRIM MORTGAGE LLC | $185,000 | n/a | 0.0% | |
| UNIVERSITY Federal Credit Union | $185,000 | n/a | 0.0% | |
| FINANCE OF AMERICA COMMERCIAL LLC | $180,000 | n/a | 0.0% | |
| ENDEAVOR CAPITAL, LLC. | $175,000 | n/a | 0.0% | |
| First National Bank and Trust Company of Ardmore | $175,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $155,000 | n/a | 0.0% | |
| LEGEND LENDING CORPORATION | $155,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $400,000 | $145,000 | -63.8% | 0.0% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | $145,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $145,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $145,000 | n/a | 0.0% | |
| WESTERN EXPRESS LENDING | $145,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $585,000 | $140,000 | -76.1% | 0.0% |
| Core Bank | $135,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $135,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $275,000 | $135,000 | -50.9% | 0.0% |
| LRS FINANCIAL NETWORK, INC. | $135,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $265,000 | $135,000 | -49.1% | 0.0% |
| THE MONEY SOURCE INC. | $135,000 | n/a | 0.0% | |
| Willamette Valley Bank | $205,000 | $135,000 | -34.1% | 0.0% |
| Constant Investments, Inc. | $125,000 | n/a | 0.0% | |
| REVERSE MORTGAGE FUNDING LLC | $125,000 | n/a | 0.0% | |
| ADVANCIAL | $115,000 | n/a | 0.0% | |
| East Coast Capital Corp. | $115,000 | n/a | 0.0% | |
| First National Bank Texas | $325,000 | $115,000 | -64.6% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $115,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $175,000 | $115,000 | -34.3% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $105,000 | n/a | 0.0% | |
| CMG MORTGAGE, INC. | $105,000 | n/a | 0.0% | |
| Alliance Bank | $490,000 | $95,000 | -80.6% | 0.0% |
| EVANSVILLE TEACHERS | $95,000 | n/a | 0.0% | |
| Simmons Bank | $215,000 | $95,000 | -55.8% | 0.0% |
| Southside Bank | $95,000 | n/a | 0.0% | |
| TIAA, FSB | $195,000 | $95,000 | -51.3% | 0.0% |
| Community National Bank & Trust of Texas | $85,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $85,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $85,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $135,000 | $85,000 | -37.0% | 0.0% |
| Magnolia Bank | $350,000 | $85,000 | -75.7% | 0.0% |
| AMERICAN FIRST | $75,000 | n/a | 0.0% | |
| Bank of England | $260,000 | $75,000 | -71.2% | 0.0% |
| First Horizon Bank | $75,000 | n/a | 0.0% | |
| Jefferson Bank | $75,000 | n/a | 0.0% | |
| OREGON COMMUNITY | $75,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $75,000 | n/a | 0.0% | |
| Liberty National Bank | $55,000 | n/a | 0.0% | |
| The American National Bank of Texas | $55,000 | n/a | 0.0% | |
| BancFirst | $80,000 | $45,000 | -43.8% | 0.0% |
| Chickasaw Community Bank | $45,000 | n/a | 0.0% | |
| Zions Bancorporation, N.A. | $35,000 | n/a | 0.0% |
WICHITA FALLS's top lender by overall market share is American National Bank & Trust, with 14.3% market share. In second place, with 14.1%, is UNION SQUARE, having originated $94,600,000 in loans. In third place, with 7.4%, is The Jacksboro National Bank, having originated $49,690,000 in loans. In third place, with 5.3%, is QUICKEN LOANS, LLC, having originated $35,465,000 in loans. In third place, with 4.0%, is Mortgage Research Center, LLC, having originated $26,985,000 in loans.
WICHITA FALLS, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,201 | $396,005,000 | $179,920 |
| Refi | 1,059 | $186,825,000 | $176,416 |
| Cash Out Refi | 509 | $79,945,000 | $157,063 |
| Home Improvement | 70 | $6,100,000 | $87,143 |
| Other | 25 | $2,965,000 | $118,600 |
Wichita Falls's most frequently cited loan purpose was Home Purchase, with 2,201 originations. The 2nd most popular reason was Refi, with 1,059 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,056 | $192,320,000 | $182,121 |
| 3-4% | 1,044 | $189,850,000 | $181,849 |
| <2.5% | 765 | $146,555,000 | $191,575 |
| 4-5% | 385 | $51,125,000 | $132,792 |
| 5-6% | 123 | $10,455,000 | $85,000 |
| 6-7% | 58 | $5,370,000 | $92,586 |
| Over 8% | 23 | $1,265,000 | $55,000 |
| 7-8% | 9 | $1,195,000 | $132,778 |
During 2021, Wichita Falls's most frequently originated rate bucket was 2.5-3%, with 1,056 originations.
Loan Sizing (WICHITA FALLS, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 1,717 | $250,825,000 | $146,083 |
| $100,000 or less | 1,012 | $68,170,000 | $67,362 |
| $200k-400k | 1,004 | $268,600,000 | $267,530 |
| $400k-600k | 101 | $47,835,000 | $473,614 |
| $600k-1000k | 20 | $15,120,000 | $756,000 |
| $Over $1MM | 10 | $21,290,000 | $2,129,000 |
WICHITA FALLS's loan sizing saw the bucket of loans from $100k-200k with 1,717 originations, totaling $250,825,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,614 | $303,380,000 | $187,968 |
| 60-80% | 1,055 | $183,725,000 | $174,147 |
| 40-60% | 333 | $41,535,000 | $124,730 |
| Over 100% | 120 | $28,010,000 | $233,417 |
| 20-40% | 110 | $9,180,000 | $83,455 |
| Under 20% | 74 | $2,920,000 | $39,459 |
WICHITA FALLS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,614 originations, totaling $303,380,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - WICHITA FALLS (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $110,200 (0.3%) | $166,925 (9.0%) | 0.41 | 486 |
| 2018-02-01 | $113,500 (3.3%) | $167,542 (8.3%) | 0.41 | 487 |
| 2018-03-01 | $129,900 (15.2%) | $177,925 (13.1%) | 0.45 | 495 |
| 2018-04-01 | $134,900 (17.3%) | $189,719 (17.6%) | 0.45 | 488 |
| 2018-05-01 | $124,950 (8.7%) | $186,278 (13.1%) | 0.42 | 506 |
| 2018-06-01 | $126,500 (10.1%) | $186,534 (13.9%) | 0.42 | 522 |
| 2018-07-01 | $136,750 (24.3%) | $188,067 (17.1%) | 0.46 | 526 |
| 2018-08-01 | $139,900 (33.2%) | $191,692 (19.2%) | 0.47 | 532 |
| 2018-09-01 | $139,900 (27.2%) | $191,777 (14.6%) | 0.47 | 532 |
| 2018-10-01 | $139,700 (21.6%) | $191,338 (13.2%) | 0.47 | 551 |
| 2018-11-01 | $138,500 (20.4%) | $194,065 (16.1%) | 0.46 | 545 |
| 2018-12-01 | $137,000 (22.3%) | $193,903 (16.2%) | 0.47 | 516 |
| 2019-01-01 | $137,250 (24.6%) | $199,978 (19.8%) | 0.47 | 439 |
| 2019-02-01 | $132,450 (16.7%) | $198,053 (18.2%) | 0.44 | 416 |
| 2019-03-01 | $133,329 (2.6%) | $197,258 (10.9%) | 0.43 | 419 |
| 2019-04-01 | $137,329 (1.8%) | $196,103 (3.4%) | 0.43 | 428 |
| 2019-05-01 | $137,400 (10.0%) | $196,884 (5.7%) | 0.42 | 428 |
| 2019-06-01 | $139,900 (10.6%) | $198,307 (6.3%) | 0.43 | 430 |
| 2019-07-01 | $129,950 (-5.0%) | $190,259 (1.2%) | 0.40 | 483 |
| 2019-08-01 | $132,143 (-5.5%) | $194,546 (1.5%) | 0.42 | 451 |
| 2019-09-01 | $135,450 (-3.2%) | $198,322 (3.4%) | 0.43 | 414 |
| 2019-10-01 | $139,250 (-0.3%) | $196,465 (2.7%) | 0.44 | 434 |
| 2019-11-01 | $144,900 (4.6%) | $200,075 (3.1%) | 0.47 | 413 |
| 2019-12-01 | $141,250 (3.1%) | $200,784 (3.6%) | 0.47 | 385 |
| 2020-01-01 | $129,950 (-5.3%) | $198,763 (-0.6%) | 0.43 | 357 |
| 2020-02-01 | $129,900 (-1.9%) | $198,862 (0.4%) | 0.42 | 308 |
| 2020-03-01 | $155,595 (16.7%) | $230,977 (17.1%) | 0.49 | 312 |
| 2020-04-01 | $162,400 (18.3%) | $230,451 (17.5%) | 0.51 | 302 |
| 2020-05-01 | $200,000 (45.6%) | $249,650 (26.8%) | 0.61 | 257 |
| 2020-06-01 | $214,450 (53.3%) | $251,660 (26.9%) | 0.63 | 223 |
| 2020-07-01 | $164,500 (26.6%) | $244,315 (28.4%) | 0.47 | 226 |
| 2020-08-01 | $169,900 (28.6%) | $247,452 (27.2%) | 0.49 | 232 |
| 2020-09-01 | $159,900 (18.1%) | $239,817 (20.9%) | 0.46 | 218 |
| 2020-10-01 | $163,500 (17.4%) | $237,647 (21.0%) | 0.47 | 212 |
| 2020-11-01 | $157,950 (9.0%) | $240,582 (20.3%) | 0.45 | 195 |
| 2020-12-01 | $148,950 (5.5%) | $245,039 (22.0%) | 0.44 | 156 |
| 2021-01-01 | $135,900 (4.6%) | $240,865 (21.2%) | 0.40 | 129 |
| 2021-02-01 | $126,250 (-2.8%) | $223,860 (12.6%) | 0.36 | 113 |
| 2021-03-01 | $137,400 (-11.7%) | $222,885 (-3.5%) | 0.39 | 106 |
| 2021-04-01 | $148,000 (-8.9%) | $220,019 (-4.5%) | 0.40 | 122 |
| 2021-05-01 | $145,900 (-27.1%) | $206,936 (-17.1%) | 0.38 | 131 |
| 2021-06-01 | $159,900 (-25.4%) | $211,983 (-15.8%) | 0.42 | 151 |
| 2021-07-01 | $159,900 (-2.8%) | $201,622 (-17.5%) | 0.42 | 188 |
| 2021-08-01 | $166,348 (-2.1%) | $217,249 (-12.2%) | 0.44 | 240 |
| 2021-09-01 | $172,200 (7.7%) | $232,995 (-2.8%) | 0.45 | 218 |
| 2021-10-01 | $169,900 (3.9%) | $237,258 (-0.2%) | 0.45 | 204 |
| 2021-11-01 | $174,500 (10.5%) | $255,438 (6.2%) | 0.46 | 207 |
| 2021-12-01 | $182,000 (22.2%) | $258,445 (5.5%) | 0.49 | 198 |
| 2022-01-01 | $175,560 (29.2%) | $261,854 (8.7%) | 0.47 | 178 |
| 2022-02-01 | $180,280 (42.8%) | $270,617 (20.9%) | 0.46 | 152 |
| 2022-03-01 | $158,450 (15.3%) | $263,011 (18.0%) | 0.39 | 136 |
| 2022-04-01 | $175,000 (18.2%) | $278,863 (26.7%) | 0.41 | 146 |
WICHITA FALLS's median listing price for 2022-04-01 was $175,000, a difference of
$27,000
(18.2%) versus the prior year and
$16,550 versus the prior month.
WICHITA FALLS's median listing price comes in at 41% of the national average.
WICHITA FALLS's average listing price for 2022-04-01 was $278,863, a difference of $58,844 (26.7%) versus the prior year and $15,852 versus the prior month.
For the 2022-04-01 period, WICHITA FALLS had 146 MLS listings, a difference of 10 listings (7%) versus the prior month and 24 listings (20%) versus the prior year.
WICHITA FALLS's median listing price comes in at 41% of the national average.
WICHITA FALLS's average listing price for 2022-04-01 was $278,863, a difference of $58,844 (26.7%) versus the prior year and $15,852 versus the prior month.
For the 2022-04-01 period, WICHITA FALLS had 146 MLS listings, a difference of 10 listings (7%) versus the prior month and 24 listings (20%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - WICHITA FALLS (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 82 days | 1,624 sqft |
| 2018-02-01 | 67 days | 1,612 sqft |
| 2018-03-01 | 57 days | 1,681 sqft |
| 2018-04-01 | 52 days | 1,750 sqft |
| 2018-05-01 | 49 days | 1,706 sqft |
| 2018-06-01 | 50 days | 1,712 sqft |
| 2018-07-01 | 52 days | 1,752 sqft |
| 2018-08-01 | 55 days | 1,766 sqft |
| 2018-09-01 | 62 days | 1,776 sqft |
| 2018-10-01 | 64 days | 1,793 sqft |
| 2018-11-01 | 67 days | 1,818 sqft |
| 2018-12-01 | 75 days | 1,808 sqft |
| 2019-01-01 | 84 days | 1,807 sqft |
| 2019-02-01 | 75 days | 1,806 sqft |
| 2019-03-01 | 53 days | 1,814 sqft |
| 2019-04-01 | 45 days | 1,797 sqft |
| 2019-05-01 | 44 days | 1,781 sqft |
| 2019-06-01 | 46 days | 1,773 sqft |
| 2019-07-01 | 39 days | 1,740 sqft |
| 2019-08-01 | 46 days | 1,774 sqft |
| 2019-09-01 | 52 days | 1,810 sqft |
| 2019-10-01 | 53 days | 1,774 sqft |
| 2019-11-01 | 49 days | 1,818 sqft |
| 2019-12-01 | 52 days | 1,763 sqft |
| 2020-01-01 | 60 days | 1,737 sqft |
| 2020-02-01 | 60 days | 1,696 sqft |
| 2020-03-01 | 51 days | 1,822 sqft |
| 2020-04-01 | 59 days | 1,835 sqft |
| 2020-05-01 | 66 days | 1,963 sqft |
| 2020-06-01 | 58 days | 2,024 sqft |
| 2020-07-01 | 44 days | 1,914 sqft |
| 2020-08-01 | 43 days | 1,882 sqft |
| 2020-09-01 | 44 days | 1,885 sqft |
| 2020-10-01 | 42 days | 1,847 sqft |
| 2020-11-01 | 46 days | 1,852 sqft |
| 2020-12-01 | 56 days | 1,828 sqft |
| 2021-01-01 | 57 days | 1,754 sqft |
| 2021-02-01 | 43 days | 1,517 sqft |
| 2021-03-01 | 37 days | 1,574 sqft |
| 2021-04-01 | 18 days | 1,690 sqft |
| 2021-05-01 | 18 days | 1,706 sqft |
| 2021-06-01 | 18 days | 1,620 sqft |
| 2021-07-01 | 23 days | 1,559 sqft |
| 2021-08-01 | 28 days | 1,656 sqft |
| 2021-09-01 | 36 days | 1,695 sqft |
| 2021-10-01 | 37 days | 1,668 sqft |
| 2021-11-01 | 37 days | 1,686 sqft |
| 2021-12-01 | 44 days | 1,668 sqft |
| 2022-01-01 | 46 days | 1,659 sqft |
| 2022-02-01 | 44 days | 1,677 sqft |
| 2022-03-01 | 30 days | 1,637 sqft |
| 2022-04-01 | 24 days | 1,674 sqft |
WICHITA FALLS's median listing age (time on market) for 2022-04-01 was 24 days.
This
is 33%
longer
than the same period one year ago.
WICHITA FALLS's median square footage for active listings during the 2022-04-01 period was 1,674 sqft. One year prior, the average listing was 1,690 sqft.
WICHITA FALLS's median square footage for active listings during the 2022-04-01 period was 1,674 sqft. One year prior, the average listing was 1,690 sqft.
