Mortgage Lenders and Brokers in Wichita Falls, Texas
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Wichita Falls, Texas mortgage lenders include American National Bank & TrustAmerican National Bank & Trust825 Scott Ave, Wichita Falls, TX 76301A5.0 ★Texas Ratio: 7.83%, Texoma Community Credit UnionTexoma Community Credit Union3800 Sheppard Access Rd, Wichita Falls, TX 76306A+5.0 ★Texas Ratio: 4.93%, Union Square Credit UnionUnion Square Credit Union1401 Holliday St, Wichita Falls, TX 76301 7108B4.5 ★Texas Ratio: 21.22%, Wichita Falls Teachers FCUWichita Falls Teachers FCU4301 Barnett Rd, Wichita Falls, TX 76310A+5.0 ★Texas Ratio: 1.17%, First BankFirst Bank901 Lamar St, Wichita Falls, TX 76301A5.0 ★Texas Ratio: 6.67%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4245 Kemp Blvd, Wichita Falls, TX 76308A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA2714 Southwest Pkwy, Wichita Falls, TX 76308A+5.0 ★Texas Ratio: 5.36%, Pilgrim BankPilgrim Bank2618 Iowa Park Road, Wichita Falls, TX 76305A+5.0 ★Texas Ratio: 1.04%, First Capital BankFirst Capital Bank5030 Stone Lake Dr, Wichita Falls, TX 76310A5.0 ★Texas Ratio: 9.89%, and First United BankFirst United Bank2904 Garnett Ave, Wichita Falls, TX 76308A+5.0 ★Texas Ratio: 3.01%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Wichita Falls, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Wichita Falls are listed first, then lenders elsewhere in Texas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Wichita Falls, Texas
Market share is the lender's share of all home loans closed in Wichita Falls, Texas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Wichita Falls 825 Scott Ave, Wichita Falls, TX 76301 A5.0 ★Texas Ratio: 7.83% |
Conventional, FHA, VA, Jumbo | 185 | 13.8% | 95.1% | $211,162 | View |
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3800 Sheppard Access Rd, Wichita Falls, TX 76306 A+5.0 ★Texas Ratio: 4.93% |
Conventional | 129 | 9.6% | 100% | $87,403 | View |
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1401 Holliday St, Wichita Falls, TX 76301 7108 B4.5 ★Texas Ratio: 21.22% |
Conventional, FHA, VA | 96 | 7.1% | 87.2% | $196,562 | View |
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4301 Barnett Rd, Wichita Falls, TX 76310 A+5.0 ★Texas Ratio: 1.17% |
Conventional | 21 | 1.6% | 100% | $63,095 | View |
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3 offices in Wichita Falls 901 Lamar St, Wichita Falls, TX 76301 A5.0 ★Texas Ratio: 6.67% |
Conventional, FHA, VA | 15 | 1.1% | 90.9% | $173,666 | View |
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2 offices in Wichita Falls 4245 Kemp Blvd, Wichita Falls, TX 76308 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 9 | 0.7% | 100% | $143,888 | View |
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2 offices in Wichita Falls 2714 Southwest Pkwy, Wichita Falls, TX 76308 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 7 | 0.5% | 70% | $120,714 | View |
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1 office in Wichita Falls 2618 Iowa Park Road, Wichita Falls, TX 76305 A+5.0 ★Texas Ratio: 1.04% |
Conventional | 5 | 0.4% | 75% | $99,000 | View |
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5030 Stone Lake Dr, Wichita Falls, TX 76310 A5.0 ★Texas Ratio: 9.89% |
Conventional | 5 | 0.4% | 83.3% | $137,000 | View |
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1 office in Wichita Falls 2904 Garnett Ave, Wichita Falls, TX 76308 A+5.0 ★Texas Ratio: 3.01% |
Conventional, FHA | 2 | 0.1% | 100% | $125,000 | View |
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1 office in Wichita Falls 3710 Fairway Blvd, Wichita Falls, TX 76310 A+5.0 ★Texas Ratio: 0.92% |
Conventional | 1 | 0.1% | 100% | $335,000 | View |
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★ 1 stars, 1 review 3 offices in Wichita Falls 2525 Kell Blvd, Wichita Falls, TX 76308 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
Jacksboro National Bank
213 W Wise St, Bowie, TX 76230 |
Conventional, FHA, VA | 37 | 2.8% | 100% | $238,783 | |
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118 N Garfield Ave, Rotan, TX 79546 A+5.0 ★Texas Ratio: 2.40% |
Conventional | 9 | 0.7% | 81.8% | $331,666 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 9 | 0.7% | 64.3% | $211,666 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 0.2% | 80% | $158,333 | View |
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★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.1% | 100% | $355,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 2 | 0.1% | 75% | $265,000 | View |
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401 W Front Ave, Electra, TX 76360 A+5.0 ★Texas Ratio: 2.78% |
Conventional | 2 | 0.1% | 100% | $205,000 | View |
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1500 S Coulter St, Amarillo, TX 79106 A5.0 ★Texas Ratio: 9.89% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $305,000 | View |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $265,000 | View |
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9404 Hillside Rd, Amarillo, TX 79119 A+5.0 ★Texas Ratio: 4.84% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional | 1 | 0.1% | 100% | $125,000 | |
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2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.1% | 100% | $95,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
FHA | 1 | 0.1% | 100% | $205,000 | View |
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4400 W Interstate 40, Amarillo, TX 79106 5940 A+5.0 ★Texas Ratio: 3.97% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
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433 S Preston Rd, Celina, TX 75009 A5.0 ★Texas Ratio: 7.77% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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1521 N Cooper St Ste 100, Arlington, TX 76011 A5.0 ★Texas Ratio: 9.89% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 2.73% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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3720 Jefferson St, Austin, TX 78731 A+5.0 ★Texas Ratio: 2.90% |
VA | 1 | 0.1% | 100% | $225,000 | View |
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325 S Fm 1187, Aledo, TX 76008 A5.0 ★Texas Ratio: 8.39% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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301 West Ave, Austin, TX 78701 A+5.0 ★Texas Ratio: 1.62% |
VA | 1 | 0.1% | 100% | $385,000 | View |
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4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71% |
Conventional | 1 | 0.1% | 100% | $445,000 | View |
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2109 N Center St, Bonham, TX 75418 A+5.0 ★Texas Ratio: 2.19% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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1312 Washington St, Commerce, TX 75428 A+5.0 ★Texas Ratio: 1.84% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
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720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Primelending
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Conventional, FHA, VA | 22 | 1.6% | 91.7% | $146,818 | |
Nationstar Mortgage
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Conventional, VA | 12 | 0.9% | 75% | $226,666 | |
Zippy Loans, LLC
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Conventional | 11 | 0.8% | 78.6% | $28,636 | |
Network Funding, L.P.
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FHA, VA | 7 | 0.5% | 100% | $183,571 | |
Click n' Close, Inc.
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Conventional, FHA, VA | 7 | 0.5% | 100% | $110,714 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, VA | 6 | 0.4% | 100% | $150,000 | View |
Ark-La-Tex Financial Services LLC
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VA | 2 | 0.1% | 100% | $260,000 | |
SWBC Mortgage Corporation
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VA | 1 | 0.1% | 100% | $135,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Republic State Mortgage Company
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Conventional | 1 | 0.1% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 0.92% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.1% | 100% | $85,000 | |
Gardner Financial Services
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FHA | 1 | 0.1% | 100% | $225,000 | |
Right Start Mortgage, Inc
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FHA | 1 | 0.1% | 100% | $95,000 | |
Southwest Funding LP
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA, VA | 180 | 13.4% | 97.8% | $201,888 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 72 | 5.4% | 91.6% | $250,416 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 61 | 4.5% | 69.2% | $166,475 | View |
Mortgage Research Center
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FHA, VA | 57 | 4.2% | 71.2% | $243,421 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 28 | 2.1% | 84.8% | $246,785 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 26 | 1.9% | 87.9% | $255,000 | |
Residential Wholesale Mortgage
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Conventional, FHA, VA | 25 | 1.9% | 100% | $131,800 | |
Freedom Mortgage Corporation
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FHA, VA | 17 | 1.3% | 95.8% | $233,235 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 16 +1 HELOCs |
1.2% | 70.8% | $197,500 | |
Kind Lending, LLC
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Conventional, VA | 13 | 1% | 81.2% | $258,846 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA, VA | 11 | 0.8% | 100% | $258,636 | View |
21St Mortgage
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Conventional | 11 | 0.8% | 24.5% | $88,636 | |
Newrez LLC
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Conventional, VA | 9 | 0.7% | 52.9% | $317,222 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 9 | 0.7% | 100% | $293,888 | |
Cmg Mortgage Inc
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FHA, VA | 9 | 0.7% | 100% | $262,777 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA, VA | 8 | 0.6% | 75% | $203,750 | View |
New American Funding, LLC.
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Conventional, FHA | 8 | 0.6% | 72.7% | $160,000 | |
Lower, LLC
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Conventional, FHA | 7 | 0.5% | 100% | $212,142 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 6 | 0.4% | 100% | $140,000 | View |
American Pacific Mortgage Corporation
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VA | 5 | 0.4% | 100% | $249,000 | |
Paramount Residential Mortgage
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Conventional, VA | 5 | 0.4% | 100% | $243,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 5 | 0.4% | 100% | $173,000 | View |
Royal United Mortgage LLC
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Conventional | 4 | 0.3% | 44.4% | $132,500 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 4 | 0.3% | 26.4% | $62,500 | View |
Movement Mortgage, LLC
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Conventional, FHA, VA | 4 | 0.3% | 100% | $177,500 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 4 | 0.3% | 22.2% | $157,500 | View |
Planet Home Lending, LLC
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VA | 4 | 0.3% | 100% | $267,500 | |
Mortgage Solutions of Colorado
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VA | 4 | 0.3% | 100% | $287,500 | |
Zillow Home Loans, LLC
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Conventional, FHA | 4 | 0.3% | 100% | $170,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 4 | 0.3% | 66.7% | $107,500 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 4 | 0.3% | 80% | $192,500 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 3 | 0.2% | 100% | $225,000 | |
Guaranteed Rate, Inc.
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VA | 3 | 0.2% | 100% | $318,333 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, VA | 3 | 0.2% | 100% | $201,666 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 0.2% | 75% | $228,333 | |
AmeriHome Mortgage Company, LLC
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Conventional, VA | 3 | 0.2% | 66.7% | $251,666 | |
Village Capital & Investment
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VA | 3 | 0.2% | 100% | $335,000 | |
The Loan Store, Inc
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Conventional, HELOC | 2 +1 HELOCs |
0.1% | 100% | $155,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.1% | 66.7% | $65,000 | |
American Portfolio Mortgage Corporation
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Conventional, FHA | 2 | 0.1% | 100% | $205,000 | |
Premier Mortgage Resources, LLC
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FHA | 2 | 0.1% | 100% | $160,000 | |
Deephaven Mortgage LLC
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Conventional | 2 | 0.1% | 40% | $100,000 | |
Platinum Eagle Mortgage, LLC
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Conventional, FHA | 2 | 0.1% | 100% | $235,000 | |
Discover Bank
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Conventional | 2 | 0.1% | 18.2% | $50,000 | |
American Financing Corporation
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Conventional | 2 | 0.1% | 100% | $125,000 | |
ClearPath Lending
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VA | 2 | 0.1% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional, VA | 2 | 0.1% | 100% | $390,000 | View |
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A5.0 ★Texas Ratio: 13.24% |
VA | 2 | 0.1% | 100% | $265,000 | View |
Lendsure Mortgage Corp.
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Conventional | 2 | 0.1% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 0.1% | 100% | $210,000 | View |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 0.1% | 100% | $455,000 | |
Cadence Bank
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Conventional | 1 | 0.1% | 100% | $545,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
VA | 1 | 0.1% | 100% | $85,000 | View |
RANLife, Inc.
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FHA | 1 | 0.1% | 100% | $275,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.1% | 100% | $255,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.1% | 22.2% | $55,000 | |
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A+5.0 ★Texas Ratio: 3.62% |
VA | 1 | 0.1% | 100% | $275,000 | View |
Go Mortgage, LLC
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VA | 1 | 0.1% | 100% | $295,000 | |
Sage Home Loans Corporation
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VA | 1 | 0.1% | 100% | $385,000 | |
Nbkc Bank
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VA | 1 | 0.1% | 100% | $385,000 | |
TruHome Solutions, LLC
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FHA | 1 | 0.1% | 100% | $235,000 | |
Golden Empire Mortgage, Inc.
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VA | 1 | 0.1% | 100% | $345,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.1% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
FHA | 1 | 0.1% | 100% | $365,000 | View |
AmWest Funding Corp
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Conventional | 1 | 0.1% | 100% | $265,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.1% | 100% | $335,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Mortgage Financial Services
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VA | 1 | 0.1% | 100% | $435,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.1% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 2.08% |
Conventional | 1 | 0.1% | 100% | $565,000 | View |
Union Home Mortgage Corp.
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FHA | 1 | 0.1% | 100% | $275,000 | |
Financial Concpepts Mortgage
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FHA | 1 | 0.1% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
Nfm, Inc
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FHA | 1 | 0.1% | 100% | $155,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.1% | 50% | $335,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
Nations Lending Corporation
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VA | 1 | 0.1% | 100% | $215,000 | |
Direct Mortgage Loans, LLC
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FHA | 1 | 0.1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 5.66% |
VA | 1 | 0.1% | 100% | $135,000 | View |
Member First Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $135,000 | |
First Guaranty Bank
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $85,000 | |
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A5.0 ★Texas Ratio: 9.39% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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VA | 1 | 0.1% | 100% | $165,000 | |
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B+4.1 ★Texas Ratio: 2.80% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Goprime Mortgage, Inc.
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VA | 1 | 0.1% | 100% | $365,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Wichita Falls Mortgage Rate Trends
Daily average mortgage rates for Texas compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Wichita Falls, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Wichita Falls? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Wichita Falls in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Wichita Falls, TX
Use these to narrow the list above. Each category shows how many Wichita Falls, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Wichita Falls, TX
Independent mortgage companies closed 51.7 percent of home loans in Wichita Falls, Texas in 2025, banks 27.4 percent and credit unions 20.9 percent. Everett Financial, Inc. was the largest mortgage company, American National Bank & Trust the largest bank and Texoma Community Credit Union the largest credit union. Among lenders headquartered in Texas, American National Bank & Trust led with 185 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Texas. None; Texas has no real estate transfer tax or mortgage tax, only flat county recording fees.
More Texas Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Wichita Falls, TX
By home loans closed in 2025, American National Bank & Trust was the largest mortgage lender in Wichita Falls, Texas with 185 loans, about 13.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Wichita Falls, Texas, Texoma Community Credit Union approved the highest share of completed applications in 2025 at 100 percent, against a 83.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
44 lenders closed FHA loans in Wichita Falls, Texas in 2025, led by Flat Branch Mortgage, Inc. with 62. 59 lenders closed VA loans, led by Flat Branch Mortgage, Inc.. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 49 banks and 12 credit unions closed home loans in Wichita Falls, Texas in 2025, alongside 90 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Wichita Falls, Texas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Wichita Falls, Texas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Wichita Falls. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
