WICHITA FALLS Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Wichita Falls averaged 7.05% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 6.66% and one month ago for the week of 2025-02-27, the average rate was 7.17%.

Wichita Falls's average rate one year ago was 7.2%.

For refis of the same type during the week of 2025-04-03, the average rate was 7.19%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Wichita Falls 30 Year Fixed Rate 2025-04-03 7.05%
Wichita Falls 30 Year Fixed Rate Refi 2025-04-03 7.19%
Wichita Falls 15 Year Fixed Rate 2025-04-03 7.32%
Wichita Falls 15 Year Fixed Rate Refi 2025-04-03 5.72%
Wichita Falls 30 Year FHA 2025-04-03 6.42%
Wichita Falls 30 Year FHA Refi 2025-04-03 6.06%
Wichita Falls 30 Year USDA 2025-04-03 6.32%
Wichita Falls 30 Year USDA Refi 2025-04-03 6.12%
Wichita Falls 30 Year VA 2025-04-03 5.98%
Wichita Falls 30 Year VA Refi 2025-04-03 5.73%
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 lender, 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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNION SQUARE 119 6.89% $4,039
FLAT BRANCH MORTGAGE, INC. 117 6.76% $4,214
American National Bank & Trust 106 6.81% $3,987
QUICKEN LOANS, LLC 60 6.99% $6,187
TEXOMA COMMUNITY CREDIT UNION 38 8.23% $3,337
UNITED WHOLESALE MORTGAGE, LLC 25 6.88% $6,562
HOMESIDE FINANCIAL, LLC 25 6.98% $4,369
First Bank 16 7.10% $5,375
Flagstar Bank, FSB 15 6.54% $5,266
JPMorgan Chase Bank 12 6.27% $3,425
Wells Fargo Bank 10 6.75% $4,649
ROYAL UNITED MORTGAGE LLC 10 7.20% $9,439
First National Bank 10 6.54% $4,604
PRIMELENDING, A PLAINSCAPITAL COMPANY 9 6.90% $6,217
PENNYMAC LOAN SERVICES, LLC 6 6.89% $7,417
GUILD MORTGAGE COMPANY 6 7.43% $6,423
Mr. Cooper ( Nationstar Mortgage ) 5 6.74% $9,393
MOVEMENT MORTGAGE, LLC 5 6.44% $5,760
GUARANTEED RATE, INC. 5 7.16% $8,329
USAA Federal Savings Bank 4 6.88% $4,104
NAVY FEDERAL CREDIT UNION 4 6.19% $5,495
Carrington Mortgage Services, LLC 4 8.19% $6,180
LOANDEPOT.COM, LLC 4 6.93% $5,017
Prosperity Bank 3 7.17% $2,655
EASTMAN 2 6.00% $6,159
EVERETT FINANCIAL, INC. 2 7.75% $5,692
ARC HOME LLC 2 8.00% $13,403
Sierra Pacific Mortgage Company, Inc. 2 6.88% $2,997
Century Mortgage Company DBA Century Lending Company 2 7.50% $7,894
Plains Commerce Bank 2 6.93% $6,003
Farm Credit Mid-America, ACA 2 7.25% $12,639
American Mortgage & Equity Consultants, Inc. 2 6.88% $4,683
NexBank 2 6.50% $4,738
NEWREZ LLC 2 7.50% $10,106
CROSSCOUNTRY MORTGAGE, LLC 2 8.00% $6,138
CMG MORTGAGE, INC. 2 7.18% $5,969
First United Bank 2 6.19% $4,766
MORTGAGE ACCESS CORP. 2 6.81% $5,553
S1L, Inc. 1 7.13% $6,088
Servion, Inc. 1 5.88% $7,867
SFMC, LP 1 7.50% $7,760
SUN WEST MORTGAGE COMPANY, INC. 1 8.12% $3,652
The Loan Store, Inc. 1 6.88% $5,592
Truist 1 7.13% $4,524
UNIVERSITY Federal Credit Union 1 6.88% $4,753
VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.75% $7,630
LEGEND LENDING CORPORATION 1 5.63% $14,659
Affiliated Bank 1 6.63% $5,419
Amarillo National Bank 1 9.13% $7,213
AMERICAN FINANCING CORPORATION 1 7.63% $10,648
AMERICAN HERITAGE LENDING, INC. 1 7.25% $14,996
AXIA FINANCIAL, LLC 1 7.49% $5,177
BancorpSouth 1 6.00% $9,911
BETTER MORTGAGE CORPORATION 1 7.88% $3,089
CANOPY MORTGAGE, LLC 1 6.63% $6,577
Citibank 1 6.63% $6,204
City Bank 1 7.38% $4,139
DATCU 1 6.63% $5,229
Equity Prime Mortgage LLC 1 7.38% $10,344
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.63% $9,701
FIDELITY BANK 1 6.75% $4,725
First Financial Bank 1 7.13% $4,038
First United Bank and Trust Company 1 7.38% $4,297
Franklin Loan Corporation 1 5.88% $6,335
Gateway First Bank 1 8.00% $8,263
HOMETRUST MORTGAGE COMPANY 1 6.13% $4,667
InterBank 1 6.38% $6,535
International Bank of Commerce 1 6.25% $3,766
LAKEVIEW LOAN SERVICING, LLC 1 8.13% $4,072
A&D Mortgage LLC 1 7.49% $9,465
LOANPAL, LLC 1 8.00% $5,210
MID AMERICA MORTGAGE, INC. 1 5.63% $43,546
MidFirst Bank 1 6.75% $4,039
Morgan Stanley Private Bank 1 7.15% $2,547
MORTGAGE FINANCIAL SERVICES, LLC 1 6.88% $3,016
Mortgage Research Center, LLC 1 6.99% $2,942
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.38% $9,466
NBKC BANK 1 6.63% $3,377
Network Funding, L.P. 1 6.88% $4,321
OCMBC, INC. 1 8.38% $10,266
PLANET HOME LENDING, LLC 1 5.88% $5,923
PNC Bank 1 7.25% $2,959
Prosperity Home Mortgage, LLC 1 7.13% $4,084
PROVIDENT FUNDING ASSOCIATES, L.P. 1 7.13% $5,094

WICHITA FALLS Average Closing Costs & Other Stats

WICHITA FALLS, TX's 84 lenders originated 2,392 loans during 2024. The total origination value was $457,300,000, with an average loan value of $191,179.

WICHITA FALLS's average closing costs are $5,105.

The top WICHITA FALLS lender as defined by loan originations is UNION SQUARE, with 119 loans originated. Their average total fees are $4,039, which is $175 lower than the next largest lender, FLAT BRANCH MORTGAGE, INC..

The lowest fee WICHITA FALLS lenders (with over 10 loans originated) are TEXOMA COMMUNITY CREDIT UNION ($3,337), JPMorgan Chase Bank ($3,425), American National Bank & Trust ($3,987), UNION SQUARE ($4,039) and FLAT BRANCH MORTGAGE, INC. ($4,214).

The lowest rate WICHITA FALLS lenders (with over 10 loans originated) are JPMorgan Chase Bank (6.27%), First National Bank (6.54%), Flagstar Bank, FSB (6.54%), Wells Fargo Bank (6.75%) and FLAT BRANCH MORTGAGE, INC. (6.76%).

WICHITA FALLS, TX Mortgage 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
FLAT BRANCH MORTGAGE, INC. $34,440,000 $59,435,000 72.6% 13.0%
American National Bank & Trust $51,585,000 $49,360,000 -4.3% 10.8%
UNION SQUARE $62,570,000 $48,040,000 -23.2% 10.5%
Mortgage Research Center, LLC $20,935,000 $25,385,000 21.3% 5.6%
UNITED WHOLESALE MORTGAGE, LLC $8,660,000 $21,075,000 143.4% 4.6%
QUICKEN LOANS, LLC $11,770,000 $18,110,000 53.9% 4.0%
The Jacksboro National Bank $21,545,000 $16,670,000 -22.6% 3.6%
TEXOMA COMMUNITY CREDIT UNION $15,695,000 $14,770,000 -5.9% 3.2%
First Bank $19,120,000 $13,050,000 -31.7% 2.9%
HOMESIDE FINANCIAL, LLC $155,000 $11,405,000 7,258.1% 2.5%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $8,455,000 n/a 1.8%
PRIMELENDING, A PLAINSCAPITAL COMPANY $14,895,000 $7,400,000 -50.3% 1.6%
USAA Federal Savings Bank $7,650,000 $6,530,000 -14.6% 1.4%
Solarity Credit Union $6,105,000 n/a 1.3%
NAVY FEDERAL CREDIT UNION $6,615,000 $6,060,000 -8.4% 1.3%
FREEDOM MORTGAGE CORPORATION $1,095,000 $5,845,000 433.8% 1.3%
PENNYMAC LOAN SERVICES, LLC $1,440,000 $5,665,000 293.4% 1.2%
Flagstar Bank, FSB $2,060,000 $5,520,000 168.0% 1.2%
GREYSTONE SERVICING COMPANY LLC $4,880,000 n/a 1.1%
JPMorgan Chase Bank $2,160,000 $4,215,000 95.1% 0.9%
WICHITA FALLS TEACHERS FEDERAL CREDIT UNION $3,875,000 $4,040,000 4.3% 0.9%
MOVEMENT MORTGAGE, LLC $3,315,000 $3,885,000 17.2% 0.8%
Prosperity Bank $4,960,000 $3,725,000 -24.9% 0.8%
First National Bank $6,425,000 $3,705,000 -42.3% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $2,180,000 $3,480,000 59.6% 0.8%
GUILD MORTGAGE COMPANY $3,180,000 $3,235,000 1.7% 0.7%
ORIX REAL ESTATE CAPITAL, LLC $3,135,000 n/a 0.7%
21ST MORTGAGE CORPORATION $3,110,000 $2,870,000 -7.7% 0.6%
GUARANTEED RATE, INC. $2,860,000 $2,700,000 -5.6% 0.6%
CARDINAL FINANCIAL $3,635,000 $2,635,000 -27.5% 0.6%
Legend Bank, N.A. $3,670,000 $2,635,000 -28.2% 0.6%
LENDINGHOME FUNDING CORPORATION $2,260,000 $2,635,000 16.6% 0.6%
VILLAGE CAPITAL MORTGAGE $2,250,000 n/a 0.5%
LOANDEPOT.COM, LLC $750,000 $2,160,000 188.0% 0.5%
Wells Fargo Bank $2,130,000 $2,160,000 1.4% 0.5%
ROYAL UNITED MORTGAGE LLC $600,000 $2,090,000 248.3% 0.5%
Century Mortgage Company DBA Century Lending Company $440,000 $1,955,000 344.3% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,600,000 $1,850,000 -59.8% 0.4%
NORWICH COMMERCIAL GROUP, INC. $1,620,000 n/a 0.4%
PLANET HOME LENDING, LLC $1,600,000 n/a 0.3%
NEWREZ LLC $560,000 $1,515,000 170.5% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $575,000 $1,490,000 159.1% 0.3%
TRIAD FINANCIAL SERVICES, INC. $400,000 $1,315,000 228.8% 0.3%
NBKC BANK $2,415,000 $1,300,000 -46.2% 0.3%
EASTMAN $1,155,000 n/a 0.3%
MICHIGAN MUTUAL, INC. $115,000 $1,155,000 904.3% 0.3%
MORTGAGE SOLUTIONS OF COLORADO, LLC $730,000 $1,090,000 49.3% 0.2%
CMG MORTGAGE, INC. $3,395,000 $1,080,000 -68.2% 0.2%
Equity Prime Mortgage LLC $320,000 $1,055,000 229.7% 0.2%
Farm Credit Mid-America, ACA $1,030,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $555,000 $985,000 77.5% 0.2%
First Financial Bank $1,620,000 $905,000 -44.1% 0.2%
Pilgrim Bank $1,965,000 $890,000 -54.7% 0.2%
Waggoner National Bank $1,145,000 $870,000 -24.0% 0.2%
U.S. Bank $325,000 $865,000 166.2% 0.2%
PHH Mortgage Corporation $155,000 $840,000 441.9% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $485,000 $820,000 69.1% 0.2%
BROKER SOLUTIONS, INC. $1,960,000 $795,000 -59.4% 0.2%
Gateway First Bank $1,445,000 $795,000 -45.0% 0.2%
InterBank $210,000 $765,000 264.3% 0.2%
Armed Forces Bank $780,000 $750,000 -3.8% 0.2%
CrossFirst Bank $735,000 n/a 0.2%
AMERISAVE MORTGAGE CORPORATION $1,080,000 $670,000 -38.0% 0.1%
RF Renovo Management Company, LLC $1,330,000 $665,000 -50.0% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $185,000 $655,000 254.1% 0.1%
MID AMERICA MORTGAGE, INC. $655,000 n/a 0.1%
MORTGAGE FINANCIAL SERVICES, LLC $400,000 $655,000 63.8% 0.1%
Plains Commerce Bank $250,000 $625,000 150.0% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $620,000 n/a 0.1%
Network Funding, L.P. $1,375,000 $585,000 -57.5% 0.1%
BETTER MORTGAGE CORPORATION $760,000 $570,000 -25.0% 0.1%
MORTGAGE ACCESS CORP. $450,000 $560,000 24.4% 0.1%
AmeriHome Mortgage Company, LLC $555,000 n/a 0.1%
RANDOLPH-BROOKS $55,000 $550,000 900.0% 0.1%
AMWEST FUNDING CORP. $240,000 $510,000 112.5% 0.1%
MORTGAGEONE, INC. $510,000 n/a 0.1%
Carrington Mortgage Services, LLC $125,000 $505,000 304.0% 0.1%
CLEARPATH LENDING $245,000 $500,000 104.1% 0.1%
Discover Bank $770,000 $490,000 -36.4% 0.1%
A&D Mortgage LLC $215,000 $475,000 120.9% 0.1%
NBH Bank $240,000 $460,000 91.7% 0.1%
SWBC MORTGAGE CORPORATION $170,000 $460,000 170.6% 0.1%
First United Bank $3,540,000 $450,000 -87.3% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $295,000 $450,000 52.5% 0.1%
First Mid Bank & Trust $445,000 n/a 0.1%
LEGEND LENDING CORPORATION $445,000 n/a 0.1%
V.I.P. MORTGAGE, INC. $445,000 n/a 0.1%
M&T Bank $440,000 n/a 0.1%
PACIFIC RESIDENTIAL MORTGAGE, LLC $435,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $1,035,000 $430,000 -58.5% 0.1%
AMERICAN HERITAGE LENDING, INC. $95,000 $415,000 336.8% 0.1%
EVERETT FINANCIAL, INC. $440,000 $415,000 -5.7% 0.1%
Amarillo National Bank $405,000 n/a 0.1%
BancorpSouth $405,000 n/a 0.1%
Zions Bank $405,000 n/a 0.1%
DATCU $395,000 n/a 0.1%
ARC HOME LLC $390,000 n/a 0.1%
LOANPAL, LLC $975,000 $385,000 -60.5% 0.1%
MidFirst Bank $385,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $2,785,000 $375,000 -86.5% 0.1%
Affiliated Bank $230,000 $365,000 58.7% 0.1%
ZILLOW HOME LOANS, LLC $155,000 $360,000 132.3% 0.1%
Ameris Bank $355,000 n/a 0.1%
American Mortgage & Equity Consultants, Inc. $335,000 $350,000 4.5% 0.1%
First United Bank and Trust Company $475,000 $350,000 -26.3% 0.1%
GUARANTEED RATE AFFINITY, LLC $140,000 $345,000 146.4% 0.1%
T2 FINANCIAL LLC $345,000 n/a 0.1%
NexBank $360,000 $340,000 -5.6% 0.1%
NATIONS RELIABLE LENDING, LLC $330,000 n/a 0.1%
Fidelity Bank $18,110,000 $325,000 -98.2% 0.1%
Bank of America $505,000 $310,000 -38.6% 0.1%
CANOPY MORTGAGE, LLC $310,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $305,000 n/a 0.1%
Complex Community Federal Credit Union $305,000 n/a 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $145,000 $300,000 106.9% 0.1%
JMAC LENDING, INC. $295,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $165,000 $285,000 72.7% 0.1%
LIMA ONE CAPITAL, LLC $105,000 $285,000 171.4% 0.1%
FINANCE OF AMERICA REVERSE LLC $285,000 $275,000 -3.5% 0.1%
Hometown Equity Mortgage, LLC $275,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $95,000 $275,000 189.5% 0.1%
ALLIANT CREDIT UNION $265,000 n/a 0.1%
Granite Community Bank $265,000 n/a 0.1%
TruHome Solutions, LLC $280,000 $260,000 -7.1% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $175,000 $255,000 45.7% 0.1%
Regions Bank $1,040,000 $255,000 -75.5% 0.1%
The Loan Store, Inc. $85,000 $245,000 188.2% 0.1%
All America Bank $225,000 n/a 0.0%
Fifth Third Bank $215,000 $225,000 4.7% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $225,000 n/a 0.0%
OCMBC, INC. $225,000 n/a 0.0%
Origin Bank $275,000 $225,000 -18.2% 0.0%
SOUTHWEST FUNDING, LP $225,000 n/a 0.0%
The First National Bank of Albany $1,595,000 $225,000 -85.9% 0.0%
CONSTRUCTIVE LOANS, LLC $215,000 n/a 0.0%
Prosperity Home Mortgage, LLC $215,000 n/a 0.0%
Herring Bank $115,000 $210,000 82.6% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $145,000 $210,000 44.8% 0.0%
ALAMEDA MORTGAGE CORPORATION $205,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $2,060,000 $205,000 -90.0% 0.0%
First Federal Bank $205,000 n/a 0.0%
HOMETRUST MORTGAGE COMPANY $195,000 n/a 0.0%
NFM, INC. $195,000 n/a 0.0%
PNC Bank $770,000 $195,000 -74.7% 0.0%
Servion, Inc. $195,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $175,000 $185,000 5.7% 0.0%
City Bank $555,000 $185,000 -66.7% 0.0%
AFFORDABLE MORTGAGE ADVISORS, LLC. $175,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $170,000 n/a 0.0%
FIDELITY BANK $165,000 n/a 0.0%
Home Mortgage Alliance Corp $165,000 n/a 0.0%
Morgan Stanley Private Bank $2,020,000 $165,000 -91.8% 0.0%
THE MORTGAGE FIRM, INC. $165,000 n/a 0.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $145,000 $155,000 6.9% 0.0%
AXIA FINANCIAL, LLC $675,000 $155,000 -77.0% 0.0%
Citibank $225,000 $155,000 -31.1% 0.0%
First Liberty Bank $155,000 n/a 0.0%
GEO-CORP, INC. $155,000 n/a 0.0%
International Bank of Commerce $135,000 n/a 0.0%
SFMC, LP $585,000 $135,000 -76.9% 0.0%
AMERICAN FINANCING CORPORATION $125,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $195,000 $125,000 -35.9% 0.0%
The Central Trust Bank $125,000 n/a 0.0%
Truist $205,000 $125,000 -39.0% 0.0%
Franklin Loan Corporation $115,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $115,000 n/a 0.0%
UNIVERSITY Federal Credit Union $75,000 $115,000 53.3% 0.0%
LENDINGONE, LLC $105,000 $105,000 0.0% 0.0%
S1L, Inc. $105,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $220,000 $105,000 -52.3% 0.0%
SPRING EQ, LLC $245,000 $105,000 -57.1% 0.0%
United Texas Credit Union $75,000 $105,000 40.0% 0.0%
Pinnacle Bank $755,000 $95,000 -87.4% 0.0%
Bank OZK $85,000 n/a 0.0%
Eagle Bank and Trust Company $85,000 n/a 0.0%
EECU $80,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $75,000 n/a 0.0%
Frost Bank $85,000 $75,000 -11.8% 0.0%
PLAZA HOME MORTGAGE, INC. $75,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $2,920,000 $65,000 -97.8% 0.0%
Credit Union of Texas $575,000 $65,000 -88.7% 0.0%
First National Bank Texas $65,000 n/a 0.0%
MYCUMORTGAGE, LLC $65,000 n/a 0.0%
BOKF $460,000 $50,000 -89.1% 0.0%
Figure Lending LLC $45,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $75,000 $45,000 -40.0% 0.0%
Deere Employees Credit Union $35,000 n/a 0.0%
TEACHERS $35,000 n/a 0.0%

WICHITA FALLS's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 13.0% market share. In second place, with 10.8%, is American National Bank & Trust, having originated $49,360,000 in loans. In third place, with 10.5%, is UNION SQUARE, having originated $48,040,000 in loans. In fourth place, with 5.6%, is Mortgage Research Center, LLC, having originated $25,385,000 in loans. In fifth place, with 4.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $21,075,000 in loans.


WICHITA FALLS Housing Market Trends (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 $110,225 (0.3%) $167,092 (8.4%) 0.41 487
2018-02-01 $113,475 (3.3%) $166,502 (7.3%) 0.41 486
2018-03-01 $127,500 (14.1%) $175,469 (11.1%) 0.45 487
2018-04-01 $132,225 (15.1%) $187,891 (17.4%) 0.45 481
2018-05-01 $123,200 (7.2%) $183,840 (12.3%) 0.41 498
2018-06-01 $125,000 (9.7%) $183,799 (12.7%) 0.42 513
2018-07-01 $131,738 (19.8%) $183,841 (14.1%) 0.44 522
2018-08-01 $138,225 (31.7%) $187,094 (16.4%) 0.46 527
2018-09-01 $137,450 (25.0%) $187,260 (12.1%) 0.46 523
2018-10-01 $136,500 (18.8%) $187,613 (11.0%) 0.46 542
2018-11-01 $135,375 (17.0%) $190,868 (13.8%) 0.46 534
2018-12-01 $135,000 (20.5%) $190,414 (13.8%) 0.47 506
2019-01-01 $134,975 (22.5%) $195,673 (17.1%) 0.47 433
2019-02-01 $131,450 (15.8%) $196,184 (17.8%) 0.44 413
2019-03-01 $132,028 (3.6%) $195,055 (11.2%) 0.43 418
2019-04-01 $134,011 (1.4%) $193,274 (2.9%) 0.43 424
2019-05-01 $132,250 (7.4%) $194,317 (5.7%) 0.41 419
2019-06-01 $134,700 (7.8%) $194,907 (6.0%) 0.42 421
2019-07-01 $128,913 (-2.1%) $186,861 (1.6%) 0.40 476
2019-08-01 $131,100 (-5.2%) $189,394 (1.2%) 0.42 465
2019-09-01 $133,013 (-3.2%) $191,178 (2.1%) 0.43 451
2019-10-01 $136,000 (-0.4%) $193,046 (2.9%) 0.44 435
2019-11-01 $142,000 (4.9%) $197,063 (3.3%) 0.47 401
2019-12-01 $140,250 (3.9%) $197,685 (3.8%) 0.47 383
2020-01-01 $129,000 (-4.4%) $195,817 (0.1%) 0.43 357
2020-02-01 $125,000 (-4.9%) $195,712 (-0.2%) 0.41 312
2020-03-01 $148,225 (12.3%) $221,102 (13.4%) 0.46 310
2020-04-01 $156,500 (16.8%) $221,123 (14.4%) 0.49 300
2020-05-01 $189,700 (43.4%) $235,798 (21.4%) 0.58 252
2020-06-01 $193,450 (43.6%) $238,049 (22.1%) 0.57 222
2020-07-01 $158,075 (22.6%) $231,821 (24.1%) 0.46 226
2020-08-01 $159,950 (22.0%) $236,270 (24.8%) 0.46 231
2020-09-01 $157,450 (18.4%) $229,295 (19.9%) 0.45 217
2020-10-01 $159,900 (17.6%) $228,161 (18.2%) 0.46 214
2020-11-01 $151,825 (6.9%) $227,055 (15.2%) 0.44 197
2020-12-01 $144,900 (3.3%) $229,250 (16.0%) 0.43 153
2021-01-01 $129,900 (0.7%) $221,914 (13.3%) 0.39 126
2021-02-01 $122,950 (-1.6%) $202,737 (3.6%) 0.36 117
2021-03-01 $131,533 (-11.3%) $203,222 (-8.1%) 0.37 106
2021-04-01 $145,100 (-7.3%) $202,645 (-8.4%) 0.39 122
2021-05-01 $139,900 (-26.3%) $200,431 (-15.0%) 0.37 136
2021-06-01 $159,950 (-17.3%) $208,543 (-12.4%) 0.42 155
2021-07-01 $159,900 (1.2%) $200,780 (-13.4%) 0.42 195
2021-08-01 $164,600 (2.9%) $215,833 (-8.7%) 0.44 239
2021-09-01 $172,200 (9.4%) $230,120 (0.4%) 0.46 218
2021-10-01 $164,900 (3.1%) $251,311 (10.2%) 0.44 199
2021-11-01 $171,225 (12.8%) $270,043 (18.9%) 0.46 204
2021-12-01 $174,450 (20.4%) $274,377 (19.7%) 0.47 197
2022-01-01 $175,560 (35.2%) $281,617 (26.9%) 0.47 174
2022-02-01 $177,390 (44.3%) $293,723 (44.9%) 0.46 154
2022-03-01 $160,840 (22.3%) $287,990 (41.7%) 0.40 141
2022-04-01 $179,900 (24.0%) $288,747 (42.5%) 0.43 150
2022-05-01 $198,225 (41.7%) $301,841 (50.6%) 0.45 170
2022-06-01 $192,450 (20.3%) $294,522 (41.2%) 0.43 193
2022-07-01 $179,000 (11.9%) $276,024 (37.5%) 0.40 255
2022-08-01 $185,000 (12.4%) $264,662 (22.6%) 0.43 310
2022-09-01 $188,825 (9.7%) $262,945 (14.3%) 0.44 349
2022-10-01 $185,000 (12.2%) $246,003 (-2.1%) 0.44 359
2022-11-01 $190,450 (11.2%) $245,680 (-9.0%) 0.46 382
2022-12-01 $199,900 (14.6%) $247,116 (-9.9%) 0.49 363
2023-01-01 $199,900 (13.9%) $237,512 (-15.7%) 0.50 332
2023-02-01 $202,450 (14.1%) $239,003 (-18.6%) 0.49 301
2023-03-01 $206,000 (28.1%) $243,942 (-15.3%) 0.49 257
2023-04-01 $205,000 (14.0%) $245,607 (-14.9%) 0.48 248
2023-05-01 $216,675 (9.3%) $263,575 (-12.7%) 0.49 264
2023-06-01 $227,000 (18.0%) $270,094 (-8.3%) 0.51 301
2023-07-01 $220,000 (22.9%) $267,074 (-3.2%) 0.50 307
2023-08-01 $221,725 (19.9%) $265,946 (0.5%) 0.51 342
2023-09-01 $235,000 (24.5%) $269,109 (2.3%) 0.55 362
2023-10-01 $229,575 (24.1%) $266,546 (8.4%) 0.54 414
2023-11-01 $225,000 (18.1%) $275,371 (12.1%) 0.54 427
2023-12-01 $207,000 (3.6%) $256,754 (3.9%) 0.50 432
2024-01-01 $210,000 (5.1%) $264,656 (11.4%) 0.51 435
2024-02-01 $214,625 (6.0%) $265,935 (11.3%) 0.52 444
2024-03-01 $219,900 (6.8%) $267,660 (9.7%) 0.52 472
2024-04-01 $219,975 (7.3%) $265,775 (8.2%) 0.51 508
2024-05-01 $224,125 (3.4%) $268,299 (1.8%) 0.51 520
2024-06-01 $215,000 (-5.3%) $263,883 (-2.3%) 0.49 510
2024-07-01 $215,000 (-2.3%) $260,738 (-2.4%) 0.49 554
2024-08-01 $215,000 (-3.0%) $261,808 (-1.6%) 0.50 575
2024-09-01 $210,000 (-10.6%) $265,168 (-1.5%) 0.49 599
2024-10-01 $209,950 (-8.6%) $264,582 (-0.7%) 0.49 584
2024-11-01 $210,000 (-6.7%) $265,596 (-3.6%) 0.50 575
2024-12-01 $209,875 (1.4%) $258,174 (0.6%) 0.52 541
2025-01-01 $209,863 (-0.1%) $259,171 (-2.1%) 0.52 522
2025-02-01 $209,600 (-2.3%) $258,045 (-3.0%) 0.51 529
2025-03-01 $215,000 (-2.2%) $254,725 (-4.8%) 0.00 559
WICHITA FALLS's median listing price for 2025-03-01 was $215,000, a difference of $-4,900 (-2.2%) versus the prior year and $5,400 versus the prior month.

WICHITA FALLS's median listing price comes in at 0% of the national average.

WICHITA FALLS's average listing price for 2025-03-01 was $254,725, a difference of $-12,935 (-4.8%) versus the prior year and $-3,320 versus the prior month.

For the 2025-03-01 period, WICHITA FALLS had 559 MLS listings, a difference of 30 listings (6%) versus the prior month and 87 listings (18%) 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 74 days 1,632 sqft
2018-02-01 59 days 1,612 sqft
2018-03-01 51 days 1,681 sqft
2018-04-01 47 days 1,739 sqft
2018-05-01 44 days 1,699 sqft
2018-06-01 44 days 1,704 sqft
2018-07-01 47 days 1,745 sqft
2018-08-01 50 days 1,755 sqft
2018-09-01 57 days 1,762 sqft
2018-10-01 58 days 1,785 sqft
2018-11-01 60 days 1,810 sqft
2018-12-01 68 days 1,790 sqft
2019-01-01 77 days 1,791 sqft
2019-02-01 67 days 1,794 sqft
2019-03-01 52 days 1,801 sqft
2019-04-01 43 days 1,787 sqft
2019-05-01 44 days 1,767 sqft
2019-06-01 43 days 1,748 sqft
2019-07-01 38 days 1,707 sqft
2019-08-01 42 days 1,731 sqft
2019-09-01 48 days 1,753 sqft
2019-10-01 51 days 1,767 sqft
2019-11-01 50 days 1,800 sqft
2019-12-01 51 days 1,755 sqft
2020-01-01 58 days 1,730 sqft
2020-02-01 60 days 1,692 sqft
2020-03-01 51 days 1,799 sqft
2020-04-01 61 days 1,824 sqft
2020-05-01 65 days 1,924 sqft
2020-06-01 52 days 1,981 sqft
2020-07-01 40 days 1,859 sqft
2020-08-01 40 days 1,827 sqft
2020-09-01 40 days 1,862 sqft
2020-10-01 39 days 1,825 sqft
2020-11-01 45 days 1,823 sqft
2020-12-01 53 days 1,788 sqft
2021-01-01 52 days 1,706 sqft
2021-02-01 31 days 1,458 sqft
2021-03-01 32 days 1,487 sqft
2021-04-01 16 days 1,661 sqft
2021-05-01 16 days 1,705 sqft
2021-06-01 17 days 1,648 sqft
2021-07-01 22 days 1,570 sqft
2021-08-01 27 days 1,682 sqft
2021-09-01 36 days 1,695 sqft
2021-10-01 33 days 1,652 sqft
2021-11-01 37 days 1,652 sqft
2021-12-01 44 days 1,633 sqft
2022-01-01 47 days 1,659 sqft
2022-02-01 38 days 1,657 sqft
2022-03-01 23 days 1,610 sqft
2022-04-01 24 days 1,673 sqft
2022-05-01 18 days 1,698 sqft
2022-06-01 25 days 1,736 sqft
2022-07-01 25 days 1,573 sqft
2022-08-01 34 days 1,613 sqft
2022-09-01 38 days 1,625 sqft
2022-10-01 45 days 1,608 sqft
2022-11-01 49 days 1,622 sqft
2022-12-01 62 days 1,626 sqft
2023-01-01 65 days 1,626 sqft
2023-02-01 58 days 1,677 sqft
2023-03-01 44 days 1,680 sqft
2023-04-01 42 days 1,715 sqft
2023-05-01 34 days 1,731 sqft
2023-06-01 36 days 1,737 sqft
2023-07-01 38 days 1,728 sqft
2023-08-01 38 days 1,729 sqft
2023-09-01 44 days 1,733 sqft
2023-10-01 49 days 1,721 sqft
2023-11-01 51 days 1,714 sqft
2023-12-01 62 days 1,640 sqft
2024-01-01 66 days 1,658 sqft
2024-02-01 63 days 1,663 sqft
2024-03-01 52 days 1,693 sqft
2024-04-01 57 days 1,710 sqft
2024-05-01 56 days 1,714 sqft
2024-06-01 56 days 1,691 sqft
2024-07-01 57 days 1,677 sqft
2024-08-01 54 days 1,673 sqft
2024-09-01 59 days 1,655 sqft
2024-10-01 61 days 1,668 sqft
2024-11-01 65 days 1,683 sqft
2024-12-01 73 days 1,689 sqft
2025-01-01 77 days 1,655 sqft
2025-02-01 66 days 1,680 sqft
2025-03-01 0 days 1,653 sqft
WICHITA FALLS's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

WICHITA FALLS's median square footage for active listings during the 2025-03-01 period was 1,653 sqft. One year prior, the average listing was 1,693 sqft.

WICHITA FALLS, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,639 $331,855,000 $202,474
Refi 317 $65,645,000 $207,082
Cash Out Refi 239 $42,365,000 $177,259
Home Improvement 113 $9,885,000 $87,478
Other 84 $7,550,000 $89,881

Wichita Falls's most frequently cited loan purpose was Home Purchase, with 1,639 originations. The 2nd most popular reason was Refi, with 317 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 998 $218,170,000 $218,607
7-8% 439 $74,725,000 $170,216
Over 8% 390 $42,450,000 $108,846
5-6% 320 $77,950,000 $243,594
4-5% 53 $6,935,000 $130,849
<2.5% 19 $855,000 $45,000
2.5-3% 3 $485,000 $161,667
3-4% 1 $75,000 $75,000

During 2024, Wichita Falls's most frequently originated rate bucket was 6-7%, with 998 originations.

Loan Sizing (WICHITA FALLS, TX MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 917 $135,475,000 $147,737
$200k-400k 702 $187,640,000 $267,293
$100,000 or less 626 $38,730,000 $61,869
$400k-600k 111 $51,255,000 $461,757
$600k-1000k 31 $21,625,000 $697,581
$Over $1MM 5 $22,575,000 $4,515,000

WICHITA FALLS's loan sizing saw the bucket of loans from $100k-200k with 917 originations, totaling $135,475,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,095 $235,745,000 $215,292
60-80% 508 $95,910,000 $188,799
40-60% 195 $26,305,000 $134,897
20-40% 159 $14,455,000 $90,912
Over 100% 105 $30,045,000 $286,143
Under 20% 98 $3,620,000 $36,939

WICHITA FALLS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,095 originations, totaling $235,745,000 in origination value.