Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Wichita County, Texas
Every institution that decided a 1–4 unit mortgage application in Wichita County, home to Wichita Falls, between 2023 and 2025: 7,184 applications, 5,869 loans actually funded, across 8 kinds of borrowing.
Wichita County at a glance
7,184Applications decided
2023–2025
5,869Loans funded
82% of decisions
44Census tracts
11 ZIP codes
129,842People
ACS 2023
What the data shows
Lenders approved 88.1% of home-purchase applications in Wichita County, 4.0 points above the Texas rate.
The typical purchase mortgage here is $185K.
Home improvement loans is the hardest money to get here: lenders approved 60% of 264 applications.
Lending by loan type in Wichita County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.1% | 4,148 | $185K | 96% | 244 |
| Home improvement loans | 60.2% | 264 | $65K | 94% | 41 |
| Cash-out refinance | 74.4% | 811 | $125K | 95% | 80 |
| Refinance | 77.4% | 709 | $215K | 91% | 90 |
| Investment property purchase | 95.8% | 778 | $105K | 98% | 106 |
| Investment cash-out refinance | 80.3% | 132 | $85K | 93% | 47 |
| Investment refinance | 93.0% | 259 | $95K | 97% | 42 |
| Investment home improvement | 86.8% | 83 | $35K | 99% | 18 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.