Largest lenders in Wichita County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | American National Bank & Trust | A | 323 | 267 | 4.0% | 6.50% |
| 2 | Flat Branch Mortgage | A | 314 | 257 | 1.6% | 6.63% |
| 3 | Union Square Credit Union | B | 213 | 158 | 9.4% | 6.75% |
| 4 | Texoma Community Credit Union | A | 192 | 186 | 0.0% | 7.50% |
| 5 | Mortgage Research Center | C | 145 | 74 | 20.7% | 6.25% |
| 6 | United Shore Financial Services | B | 141 | 101 | 12.8% | 6.25% |
| 7 | Rocket Mortgage | C | 141 | 86 | 26.2% | 6.99% |
| 8 | 21st Mortgage | F | 119 | 23 | 51.3% | 9.92% |
| 9 | Pennymac Loan Services | C | 73 | 32 | 9.6% | 5.81% |
| 10 | First Bank | A | 72 | 63 | 2.8% | 7.50% |
| 11 | Triad Financial Services | D | 66 | 4 | 72.7% | 9.86% |
| 12 | Navy Federal Credit Union | D | 63 | 35 | 7.9% | 6.00% |
| 13 | The Jacksboro National Bank | – | 58 | 48 | 0.0% | — |
| 14 | Freedom Mortgage | B | 57 | 31 | 3.5% | 6.25% |
| 15 | Loandepot.Com | D | 51 | 26 | 29.4% | 6.31% |
| 16 | Prosperity Bank | D | 46 | 35 | 6.5% | 7.38% |
| 17 | Residential Wholesale Mortgage | B | 45 | 34 | 2.2% | 6.50% |
| 18 | Kiavi Funding | D | 43 | 8 | 0.0% | 7.25% |
| 19 | Newrez | D | 40 | 12 | 22.5% | 5.94% |
| 20 | Primelending, a Plainscapital | A | 38 | 25 | 10.5% | 6.63% |
| 21 | USAA Federal Savings Bank | C | 33 | 16 | 21.2% | 6.13% |
| 22 | Broker Solutions | D | 31 | 9 | 16.1% | 6.63% |
| 23 | Nationstar Mortgage | C | 28 | 19 | 14.3% | 6.25% |
| 24 | Kind Lending | C | 27 | 17 | 14.8% | 6.25% |
| 25 | AmeriSave Mortgage | D | 26 | 4 | 65.4% | 8.38% |
Best approval odds in Wichita County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Texoma Community Credit Union | 186 | 0.0% |
| 2 | Flat Branch Mortgage | 263 | 1.9% |
| 3 | First Bank | 71 | 2.8% |
| 4 | American National Bank & Trust | 289 | 4.5% |
| 5 | Union Square Credit Union | 185 | 10.8% |
| 6 | United Shore Financial Services | 123 | 14.6% |
| 7 | Mortgage Research Center | 104 | 28.9% |
| 8 | Rocket Mortgage | 125 | 29.6% |
| 9 | 21st Mortgage | 85 | 71.8% |
| 10 | Triad Financial Services | 66 | 72.7% |
What Wichita County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wichita County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,961 | 2,004 | 12.1% | 6.99% | $145,000 |
| 2024 | 3,099 | 2,066 | 12.3% | 6.75% | $155,000 |
| 2025 | 3,296 | 2,066 | 14.5% | 6.63% | $155,000 |
Frequently asked questions
14.5% of applications in Wichita County were denied in 2025, against 19.4% statewide in Texas.
American National Bank & Trust, with 323 applications in 2025 and a denial rate of 4.0%.
The median mortgage application in Wichita County in 2025 was for $155,000; the median property value on originated loans was $205,000.