Wichita County
Texas · FIPS 48485
According to CFPB HMDA 2024 application volume among U.S. counties, Wichita County ranks #605 of 3,210, and #43 of 253 in Texas.
Mortgage lending activity in Wichita County, Texas based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Wichita County
In Wichita County, lead originator Flat Branch Mortgage, INC. funded 12.7% of 2,066 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 34.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Wichita County's 3,865 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wichita County's $186,229 average loan (deduped against volume peers).
Lenders active in Wichita County
Flat Branch Mortgage, INC. funded 262 of the 2,066 loans originated in Wichita County, 12.7% of the county. 182 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Wichita County borrowers.
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 Wichita County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.