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
7.67%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.43% and
one month ago for the week of 2026-10-01, the
average rate was 7.47%.
Wichita Falls's average rate one year ago was 6.36%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.59%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Wichita Falls 30 Year Fixed Rate | 2026-11-05 | 7.67% |
| Wichita Falls 30 Year Fixed Rate Refi | 2026-11-05 | 7.59% |
| Wichita Falls 15 Year Fixed Rate | 2026-11-05 | 6.37% |
| Wichita Falls 15 Year Fixed Rate Refi | 2026-11-05 | 6.87% |
| Wichita Falls 30 Year FHA | 2026-11-05 | 6.86% |
| Wichita Falls 30 Year FHA Refi | 2026-11-05 | 6.83% |
| Wichita Falls 30 Year USDA | 2026-11-05 | 7.1% |
| Wichita Falls 30 Year USDA Refi | 2026-11-05 | 6.8% |
| Wichita Falls 30 Year VA | 2026-11-05 | 6.98% |
| Wichita Falls 30 Year VA Refi | 2026-11-05 | 6.59% |
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.).
WICHITA FALLS Average Closing Costs & Other Stats
WICHITA FALLS, TX's 92 lenders originated 2,490
loans during 2025. The total origination value was $545,740,000, with an average loan value of
$219,173.
WICHITA FALLS's average closing costs are $5,253.
The top WICHITA FALLS lender as defined by loan originations is American National Bank & Trust, with
147 loans originated. Their average total fees are
$4,249, which is $257
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 ($3,682), UNION SQUARE ($3,837), American National Bank & Trust ($4,249), FLAT BRANCH MORTGAGE, INC. ($4,505) and First National Bank ($4,587).
The lowest rate WICHITA FALLS lenders (with over 10 loans originated) are
First National Bank (6.52%), FLAT BRANCH MORTGAGE, INC. (6.70%), UNITED WHOLESALE MORTGAGE, LLC (6.74%), American National Bank & Trust (6.78%) and UNION SQUARE (6.81%).
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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| American National Bank & Trust | $49,360,000 | $67,290,000 | 36.3% | 12.3% |
| FLAT BRANCH MORTGAGE, INC. | $59,435,000 | $61,090,000 | 2.8% | 11.2% |
| UNION SQUARE | $48,040,000 | $42,620,000 | -11.3% | 7.8% |
| Wells Fargo Bank | $2,160,000 | $41,400,000 | 1,816.7% | 7.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $21,075,000 | $29,145,000 | 38.3% | 5.3% |
| Mortgage Research Center, LLC | $25,385,000 | $22,005,000 | -13.3% | 4.0% |
| TEXOMA COMMUNITY CREDIT UNION | $14,770,000 | $21,755,000 | 47.3% | 4.0% |
| QUICKEN LOANS, LLC | $18,110,000 | $18,930,000 | 4.5% | 3.5% |
| The Jacksboro National Bank | $16,670,000 | $14,845,000 | -10.9% | 2.7% |
| NAVY FEDERAL CREDIT UNION | $6,060,000 | $10,670,000 | 76.1% | 2.0% |
| PENNYMAC LOAN SERVICES, LLC | $5,665,000 | $9,550,000 | 68.6% | 1.7% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $9,505,000 | n/a | 1.7% | |
| First Bank | $13,050,000 | $8,520,000 | -34.7% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $5,845,000 | $7,065,000 | 20.9% | 1.3% |
| City Bank | $185,000 | $6,750,000 | 3,548.6% | 1.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $5,835,000 | n/a | 1.1% | |
| ORIX REAL ESTATE CAPITAL, LLC | $3,135,000 | $5,195,000 | 65.7% | 1.0% |
| First National Bank | $3,705,000 | $5,170,000 | 39.5% | 0.9% |
| 21ST MORTGAGE CORPORATION | $2,870,000 | $5,010,000 | 74.6% | 0.9% |
| GUILD MORTGAGE COMPANY | $3,235,000 | $4,985,000 | 54.1% | 0.9% |
| LOANDEPOT.COM, LLC | $2,160,000 | $4,705,000 | 117.8% | 0.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,400,000 | $4,675,000 | -36.8% | 0.9% |
| Prosperity Bank | $3,725,000 | $4,580,000 | 23.0% | 0.8% |
| USAA Federal Savings Bank | $6,530,000 | $4,545,000 | -30.4% | 0.8% |
| NEWREZ LLC | $1,515,000 | $4,070,000 | 168.6% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,490,000 | $4,020,000 | 169.8% | 0.7% |
| Century Mortgage Company DBA Century Lending Company | $1,955,000 | $3,995,000 | 104.3% | 0.7% |
| Legend Bank, N.A. | $2,635,000 | $3,805,000 | 44.4% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,480,000 | $3,725,000 | 7.0% | 0.7% |
| HOMESIDE FINANCIAL, LLC | $11,405,000 | $2,765,000 | -75.8% | 0.5% |
| CMG MORTGAGE, INC. | $1,080,000 | $2,680,000 | 148.1% | 0.5% |
| First Mid Bank & Trust | $445,000 | $2,315,000 | 420.2% | 0.4% |
| JPMorgan Chase Bank | $4,215,000 | $2,155,000 | -48.9% | 0.4% |
| GUARANTEED RATE, INC. | $2,700,000 | $2,140,000 | -20.7% | 0.4% |
| Zions Bank | $405,000 | $2,130,000 | 425.9% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $375,000 | $1,995,000 | 432.0% | 0.4% |
| WICHITA FALLS TEACHERS FEDERAL CREDIT UNION | $4,040,000 | $1,990,000 | -50.7% | 0.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $65,000 | $1,980,000 | 2,946.2% | 0.4% |
| First United Bank | $450,000 | $1,980,000 | 340.0% | 0.4% |
| Plains Commerce Bank | $625,000 | $1,950,000 | 212.0% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,850,000 | $1,855,000 | 0.3% | 0.3% |
| Gateway First Bank | $795,000 | $1,855,000 | 133.3% | 0.3% |
| Flagstar Bank, FSB | $5,520,000 | $1,805,000 | -67.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $795,000 | $1,795,000 | 125.8% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $2,250,000 | $1,615,000 | -28.2% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $3,885,000 | $1,595,000 | -58.9% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,090,000 | $1,540,000 | 41.3% | 0.3% |
| PLANET HOME LENDING, LLC | $1,600,000 | $1,530,000 | -4.4% | 0.3% |
| Network Funding, L.P. | $585,000 | $1,460,000 | 149.6% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $655,000 | $1,410,000 | 115.3% | 0.3% |
| First Federal Bank | $205,000 | $1,225,000 | 497.6% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $275,000 | $1,225,000 | 345.5% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $2,635,000 | $1,180,000 | -55.2% | 0.2% |
| Equity Prime Mortgage LLC | $1,055,000 | $1,170,000 | 10.9% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $985,000 | $1,125,000 | 14.2% | 0.2% |
| FIRST TECHNOLOGY | $1,105,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $125,000 | $1,080,000 | 764.0% | 0.2% |
| AmeriHome Mortgage Company, LLC | $555,000 | $970,000 | 74.8% | 0.2% |
| LENDSURE MORTGAGE CORP. | $970,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $505,000 | $920,000 | 82.2% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $205,000 | $900,000 | 339.0% | 0.2% |
| Truist | $125,000 | $865,000 | 592.0% | 0.2% |
| Pilgrim Bank | $890,000 | $845,000 | -5.1% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $1,315,000 | $830,000 | -36.9% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $75,000 | $770,000 | 926.7% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $655,000 | $750,000 | 14.5% | 0.1% |
| Waggoner National Bank | $870,000 | $735,000 | -15.5% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $670,000 | $705,000 | 5.2% | 0.1% |
| MORTGAGE FINANCIAL SERVICES, LLC | $655,000 | $695,000 | 6.1% | 0.1% |
| Nations Lending Corporation | $690,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $360,000 | $680,000 | 88.9% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $345,000 | $675,000 | 95.7% | 0.1% |
| UNION HOME MORTGAGE CORP. | $670,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $2,090,000 | $640,000 | -69.4% | 0.1% |
| SOUTHWEST FUNDING, LP | $225,000 | $640,000 | 184.4% | 0.1% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $155,000 | $605,000 | 290.3% | 0.1% |
| Armed Forces Bank | $750,000 | $600,000 | -20.0% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $600,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $500,000 | $570,000 | 14.0% | 0.1% |
| U.S. Bank | $865,000 | $550,000 | -36.4% | 0.1% |
| BancorpSouth | $405,000 | $545,000 | 34.6% | 0.1% |
| RANDOLPH-BROOKS | $550,000 | $530,000 | -3.6% | 0.1% |
| Performance Financial, Inc. | $515,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $255,000 | $495,000 | 94.1% | 0.1% |
| AMWEST FUNDING CORP. | $510,000 | $495,000 | -2.9% | 0.1% |
| The Loan Store, Inc. | $245,000 | $470,000 | 91.8% | 0.1% |
| PHH Mortgage Corporation | $840,000 | $455,000 | -45.8% | 0.1% |
| SPRING EQ, LLC | $105,000 | $450,000 | 328.6% | 0.1% |
| Guaranty Bank & Trust, N.A. | $435,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $2,635,000 | $430,000 | -83.7% | 0.1% |
| Cornerstone First Mortgage, Inc | $430,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $415,000 | $425,000 | 2.4% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $185,000 | $420,000 | 127.0% | 0.1% |
| Western Commerce Bank | $405,000 | n/a | 0.1% | |
| First State Bank | $400,000 | n/a | 0.1% | |
| Credit Union of Texas | $65,000 | $395,000 | 507.7% | 0.1% |
| Frost Bank | $75,000 | $390,000 | 420.0% | 0.1% |
| ENCORE BANK | $385,000 | n/a | 0.1% | |
| NBKC BANK | $1,300,000 | $385,000 | -70.4% | 0.1% |
| SWBC MORTGAGE CORPORATION | $460,000 | $380,000 | -17.4% | 0.1% |
| First United Bank and Trust Company | $350,000 | $375,000 | 7.1% | 0.1% |
| Inwood National Bank | $375,000 | n/a | 0.1% | |
| Amarillo National Bank | $405,000 | $370,000 | -8.6% | 0.1% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $370,000 | n/a | 0.1% | |
| First Financial Bank | $905,000 | $365,000 | -59.7% | 0.1% |
| GoPrime Mortgage, Inc. | $365,000 | n/a | 0.1% | |
| Renasant Bank | $365,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $620,000 | $365,000 | -41.1% | 0.1% |
| V.I.P. MORTGAGE, INC. | $445,000 | $365,000 | -18.0% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $105,000 | $360,000 | 242.9% | 0.1% |
| Golden Empire Mortgage, Inc. | $345,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $345,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $285,000 | $335,000 | 17.5% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $820,000 | $335,000 | -59.1% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $415,000 | $325,000 | -21.7% | 0.1% |
| Commerce Home Mortgage, Inc. | $325,000 | n/a | 0.1% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $320,000 | n/a | 0.1% | |
| CONSTRUCTIVE LOANS, LLC | $215,000 | $305,000 | 41.9% | 0.1% |
| The Central Trust Bank | $125,000 | $305,000 | 144.0% | 0.1% |
| PNC Bank | $195,000 | $300,000 | 53.8% | 0.1% |
| GSF Mortgage Corporation | $295,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $125,000 | $285,000 | 128.0% | 0.1% |
| Citizens Bank | $275,000 | n/a | 0.1% | |
| Community National Bank & Trust of Texas | $275,000 | n/a | 0.1% | |
| RANLIFE, INC. | $275,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $570,000 | $255,000 | -55.3% | 0.0% |
| Presidential Bank, FSB | $255,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $450,000 | $250,000 | -44.4% | 0.0% |
| LEGEND LENDING CORPORATION | $445,000 | $245,000 | -44.9% | 0.0% |
| PREMIA MORTGAGE, LLC | $245,000 | n/a | 0.0% | |
| DIRECT MORTGAGE LOANS, LLC | $235,000 | n/a | 0.0% | |
| TruHome Solutions, LLC | $260,000 | $235,000 | -9.6% | 0.0% |
| OCMBC, INC. | $225,000 | $230,000 | 2.2% | 0.0% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $225,000 | n/a | 0.0% | |
| GARDNER FINANCIAL SERVICES, LTD. | $225,000 | n/a | 0.0% | |
| NBH Bank | $460,000 | $225,000 | -51.1% | 0.0% |
| Prosperity Home Mortgage, LLC | $215,000 | $225,000 | 4.7% | 0.0% |
| Stride Bank | $215,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $215,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $210,000 | n/a | 0.0% | |
| Bank of America | $310,000 | $205,000 | -33.9% | 0.0% |
| Ciera Bank | $205,000 | n/a | 0.0% | |
| Figure Lending LLC | $45,000 | $205,000 | 355.6% | 0.0% |
| FINANCIAL CONCEPTS MORTGAGE, LLC | $205,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $510,000 | $205,000 | -59.8% | 0.0% |
| The First National Bank of Albany | $225,000 | $205,000 | -8.9% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $75,000 | $200,000 | 166.7% | 0.0% |
| RAIN CITY CAPITAL, LLC | $195,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $185,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $285,000 | $185,000 | -35.1% | 0.0% |
| Northpointe Bank | $185,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $170,000 | $185,000 | 8.8% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $430,000 | $170,000 | -60.5% | 0.0% |
| Education Credit Union | $165,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $165,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $165,000 | n/a | 0.0% | |
| Texas Mortgage Lending, LLC | $165,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $155,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $155,000 | n/a | 0.0% | |
| NFM, INC. | $195,000 | $155,000 | -20.5% | 0.0% |
| BELEM SERVICING LLC | $150,000 | n/a | 0.0% | |
| BOKF | $50,000 | $150,000 | 200.0% | 0.0% |
| A&D Mortgage LLC | $475,000 | $145,000 | -69.5% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $145,000 | n/a | 0.0% | |
| PILGRIM MORTGAGE LLC | $145,000 | n/a | 0.0% | |
| Republic State Mortgage Co. | $145,000 | n/a | 0.0% | |
| TEXAS TECH | $145,000 | n/a | 0.0% | |
| Alliance Credit Union | $135,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $135,000 | n/a | 0.0% | |
| Midwest BankCentre | $135,000 | n/a | 0.0% | |
| First Guaranty Bank | $125,000 | n/a | 0.0% | |
| The American National Bank of Texas | $125,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $115,000 | n/a | 0.0% | |
| Peoples National Bank , N.A. | $115,000 | n/a | 0.0% | |
| Arvest Bank | $105,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $105,000 | n/a | 0.0% | |
| Discover Bank | $490,000 | $100,000 | -79.6% | 0.0% |
| AMPLIFY | $95,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $275,000 | $95,000 | -65.5% | 0.0% |
| MICHIGAN MUTUAL, INC. | $1,155,000 | $95,000 | -91.8% | 0.0% |
| American Mortgage Bank, LLC | $85,000 | n/a | 0.0% | |
| LOANPAL, LLC | $385,000 | $85,000 | -77.9% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $85,000 | n/a | 0.0% | |
| Service Federal Credit Union | $85,000 | n/a | 0.0% | |
| Pinnacle Bank | $95,000 | $75,000 | -21.1% | 0.0% |
| EECU | $80,000 | $65,000 | -18.8% | 0.0% |
| General Mortgage Capital Corporation | $65,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $45,000 | $55,000 | 22.2% | 0.0% |
WICHITA FALLS's top lender by overall market share is American National Bank & Trust, with 12.3% market share. In second place, with 11.2%, is FLAT BRANCH MORTGAGE, INC., having originated $61,090,000 in loans. In third place, with 7.8%, is UNION SQUARE, having originated $42,620,000 in loans. In fourth place, with 7.6%, is Wells Fargo Bank, having originated $41,400,000 in loans. In fifth place, with 5.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $29,145,000 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 | $149,950 (5.6%) | $226,382 (14.9%) | 0.44 | 197 |
| 2020-12-01 | $144,900 (3.3%) | $228,454 (15.6%) | 0.43 | 154 |
| 2021-01-01 | $129,866 (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 (14.2%) | $270,043 (19.3%) | 0.46 | 204 |
| 2021-12-01 | $174,450 (20.4%) | $274,377 (20.1%) | 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 | $208,750 (-11.2%) | $263,269 (-2.2%) | 0.49 | 596 |
| 2024-10-01 | $210,075 (-8.5%) | $265,584 (-0.4%) | 0.50 | 588 |
| 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 | $209,788 (-2.3%) | $258,353 (-2.9%) | 0.51 | 529 |
| 2025-03-01 | $215,000 (-2.2%) | $254,725 (-4.8%) | 0.51 | 559 |
| 2025-04-01 | $219,900 (0.0%) | $259,648 (-2.3%) | 0.51 | 627 |
| 2025-05-01 | $220,000 (-1.8%) | $262,770 (-2.1%) | 0.50 | 632 |
| 2025-06-01 | $212,850 (-1.0%) | $256,142 (-2.9%) | 0.48 | 664 |
| 2025-07-01 | $207,450 (-3.5%) | $257,246 (-1.3%) | 0.47 | 674 |
| 2025-08-01 | $199,999 (-7.0%) | $251,871 (-3.8%) | 0.47 | 660 |
| 2025-09-01 | $199,950 (-4.2%) | $249,821 (-5.1%) | 0.47 | 611 |
| 2025-10-01 | $199,900 (-4.8%) | $251,375 (-5.4%) | 0.47 | 599 |
| 2025-11-01 | $199,200 (-5.1%) | $242,100 (-8.9%) | 0.48 | 581 |
| 2025-12-01 | $199,450 (-5.0%) | $243,369 (-5.7%) | 0.50 | 551 |
| 2026-01-01 | $199,900 (-4.8%) | $243,589 (-6.0%) | 0.50 | 515 |
| 2026-02-01 | $194,950 (-7.1%) | $238,633 (-7.6%) | 0.48 | 515 |
| 2026-03-01 | $203,575 (-5.3%) | $241,629 (-5.1%) | 0.49 | 500 |
| 2026-04-01 | $199,950 (-9.1%) | $239,545 (-7.7%) | 0.47 | 484 |
| 2026-05-01 | $199,900 (-9.1%) | $240,388 (-8.5%) | 0.47 | 479 |
| 2026-06-01 | $199,000 (-6.5%) | $238,015 (-7.1%) | 0.46 | 512 |
| 2026-07-01 | $212,500 (2.4%) | $247,135 (-3.9%) | 0.50 | 510 |
| 2026-08-01 | $215,000 (7.5%) | $251,614 (-0.1%) | 0.51 | 510 |
| 2026-09-01 | $216,000 (8.0%) | $253,243 (1.4%) | 0.00 | 479 |
| 2026-10-01 | $199,900 (0.0%) | $248,718 (-1.1%) | 0.00 | 482 |
WICHITA FALLS's median listing price for 2026-10-01 was $199,900, a difference of
$0
(0.0%) versus the prior year and
$-16,100 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 2026-10-01 was $248,718, a difference of $-2,657 (-1.1%) versus the prior year and $-4,525 versus the prior month.
For the 2026-10-01 period, WICHITA FALLS had 482 MLS listings, a difference of 3 listings (1%) versus the prior month and -117 listings (-20%) versus the prior year.
WICHITA FALLS's median listing price comes in at 0% of the national average.
WICHITA FALLS's average listing price for 2026-10-01 was $248,718, a difference of $-2,657 (-1.1%) versus the prior year and $-4,525 versus the prior month.
For the 2026-10-01 period, WICHITA FALLS had 482 MLS listings, a difference of 3 listings (1%) versus the prior month and -117 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 | 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 | 1,818 sqft |
| 2020-12-01 | 52 days | 1,784 sqft |
| 2021-01-01 | 52 days | 1,705 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 | 1,656 sqft |
| 2024-02-01 | 63 days | 1,662 sqft |
| 2024-03-01 | 52 days | 1,693 sqft |
| 2024-04-01 | 57 days | 1,708 sqft |
| 2024-05-01 | 56 days | 1,713 sqft |
| 2024-06-01 | 56 days | 1,691 sqft |
| 2024-07-01 | 57 days | 1,674 sqft |
| 2024-08-01 | 54 days | 1,670 sqft |
| 2024-09-01 | 59 days | 1,651 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 | 1,654 sqft |
| 2025-02-01 | 66 days | 1,680 sqft |
| 2025-03-01 | 56 days | 1,652 sqft |
| 2025-04-01 | 49 days | 1,645 sqft |
| 2025-05-01 | 54 days | 1,652 sqft |
| 2025-06-01 | 62 days | 1,639 sqft |
| 2025-07-01 | 61 days | 1,642 sqft |
| 2025-08-01 | 65 days | 1,650 sqft |
| 2025-09-01 | 65 days | 1,638 sqft |
| 2025-10-01 | 71 days | 1,671 sqft |
| 2025-11-01 | 72 days | 1,656 sqft |
| 2025-12-01 | 73 days | 1,689 sqft |
| 2026-01-01 | 78 days | 1,681 sqft |
| 2026-02-01 | 77 days | 1,619 sqft |
| 2026-03-01 | 62 days | 1,648 sqft |
| 2026-04-01 | 57 days | 1,650 sqft |
| 2026-05-01 | 52 days | 1,686 sqft |
| 2026-06-01 | 47 days | 1,687 sqft |
| 2026-07-01 | 51 days | 1,709 sqft |
| 2026-08-01 | 50 days | 1,722 sqft |
| 2026-09-01 | 0 days | 1,636 sqft |
| 2026-10-01 | 0 days | 1,587 sqft |
WICHITA FALLS's median listing age (time on market) for 2026-10-01 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 2026-10-01 period was 1,587 sqft. One year prior, the average listing was 1,671 sqft.
WICHITA FALLS's median square footage for active listings during the 2026-10-01 period was 1,587 sqft. One year prior, the average listing was 1,671 sqft.
WICHITA FALLS, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,570 | $343,340,000 | $218,688 |
| Refi | 393 | $135,555,000 | $344,924 |
| Cash Out Refi | 343 | $47,055,000 | $137,187 |
| Home Improvement | 99 | $9,925,000 | $100,253 |
| Other | 85 | $9,865,000 | $116,059 |
Wichita Falls's most frequently cited loan purpose was Home Purchase, with 1,570 originations. The 2nd most popular reason was Refi, with 393 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,067 | $244,525,000 | $229,171 |
| 7-8% | 505 | $109,755,000 | $217,337 |
| 5-6% | 443 | $116,365,000 | $262,675 |
| Over 8% | 292 | $29,190,000 | $99,966 |
| <2.5% | 16 | $90,000 | $5,625 |
| 4-5% | 15 | $12,265,000 | $817,667 |
| 3-4% | 3 | $685,000 | $228,333 |
| 2.5-3% | 1 | $245,000 | $245,000 |
During 2025, Wichita Falls's most frequently originated rate bucket was 6-7%, with 1,067 originations.
Loan Sizing (WICHITA FALLS, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 897 | $134,625,000 | $150,084 |
| $200k-400k | 816 | $218,820,000 | $268,162 |
| $100,000 or less | 599 | $36,445,000 | $60,843 |
| $400k-600k | 137 | $64,025,000 | $467,336 |
| $600k-1000k | 29 | $20,735,000 | $715,000 |
| $Over $1MM | 12 | $71,090,000 | $5,924,167 |
WICHITA FALLS's loan sizing saw the bucket of loans from $100k-200k with 897 originations, totaling $134,625,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,172 | $259,510,000 | $221,425 |
| 60-80% | 555 | $161,565,000 | $291,108 |
| 20-40% | 176 | $14,920,000 | $84,773 |
| 40-60% | 170 | $24,780,000 | $145,765 |
| Under 20% | 109 | $4,425,000 | $40,596 |
| Over 100% | 102 | $33,290,000 | $326,373 |
WICHITA FALLS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,172 originations, totaling $259,510,000 in origination value.