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2024 data HMDA 2024 disclosure official source

Wichita County

3,865 mortgage applications, 9.8% denial rate. Verify FIPS 48485 with U.S. Census Bureau →

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Texas · FIPS 48485

Local mortgage market. Wichita County, Texas saw 3,865 HMDA-reported mortgage applications in 2024. Lenders originated 2,066 of those loans and denied 380, producing a denial rate of 9.8% and an approval (origination) rate of 53.5%. The average loan amount was $186,229 at an average note rate of 6.96%, with applicants self-reporting average annual income of $38K. 182 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 48485 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,865
Applications
2,066
Originated
9.8%
Denial Rate
53.5%
Approval Rate
$186,229
Avg Loan Amount
6.96%
Avg Interest Rate
$38K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Wichita County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Flat Branch Mortgage, INC. 262 12.7%
2 Union Square Credit Union 225 10.9%
3 American National Bank & Trust 220 10.6%
4 Texoma Community Credit Union 127 6.1%
5 Mortgage Research Center 92 4.5%
Compare Flat Branch Mortgage, INC. vs Union Square Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Wichita County?
In the 2024 HMDA reporting year, 3,865 mortgage applications were filed in Wichita County, Texas. Of these, 2,066 were originated (approved and funded), while 380 were denied, resulting in a denial rate of 9.8%.
What is the mortgage denial rate in Wichita County?
The mortgage denial rate in Wichita County is 9.8%. The approval (origination) rate is 53.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Wichita County?
The average mortgage loan amount in Wichita County is $186,229. The average interest rate is 6.962%. The average applicant income is $38K.
What is the loan-to-income ratio in Wichita County?
The average loan-to-income ratio in Wichita County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Wichita County?
The top mortgage lenders in Wichita County by origination volume are Flat Branch Mortgage, INC., Union Square Credit Union, American National Bank & Trust. In total, 182 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.