Top Mortgage Lenders in Wichita Falls, TX

Which mortgage lender in the Wichita Falls, TX area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Wichita Falls, TX area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Wichita Falls, TX area in terms of interest rate is American National Bank & Trust, with an average “Rate Difference” of -0.20%. This means that, comparing similar borrowers, American National Bank & Trust provided a -0.20% lower interest rate for its customers than other lenders in the area. American National Bank & Trust has a market share of 30.1%. It is the most popular lender in the Wichita Falls, TX area.

Our detailed ranking of mortgage lenders in the Wichita Falls, TX area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Wichita Falls, TX is American National Bank & Trust. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Union Square Credit Union. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is American National Bank & Trust. The cheapest VA mortgage provider is also American National Bank & Trust. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Wichita Falls, TX

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.20%(4.5)30.09%
Union Square Credit Union-0.07%(4.0)20.06%
Wells Fargo Bank0.05%(3.0)5.01%
First Bank0.06%(3.0)14.15%
First National Bank Mortgage0.09%(3.0)3.67%
USAA0.09%(3.0)5.69%
Primewest Mortgage0.09%(3.0)8.16%
Quicken Loans0.13%(3.0)5.46%
Texoma Community Credit Union0.53%(1.0)7.71%
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.15%(4.5)30.72%
Union Square Credit Union-0.08%(4.0)20.58%
Wells Fargo Bank0.01%(3.5)3.78%
First Bank0.08%(3.0)16.80%
USAA0.11%(3.0)7.16%
Primewest Mortgage0.12%(3.0)9.94%
First National Bank Mortgage0.13%(3.0)4.08%
Quicken Loans0.17%(2.5)3.58%
Texoma Community Credit Union0.56%(1.0)3.38%
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.36%(5.0)28.18%
First National Bank Mortgage-0.09%(4.0)2.42%
Primewest Mortgage-0.05%(3.5)2.73%
Union Square Credit Union-0.04%(3.5)18.48%
First Bank0.00%(3.5)6.06%
USAA0.01%(3.5)1.21%
Quicken Loans0.05%(3.0)11.21%
Wells Fargo Bank0.09%(3.0)8.79%
Texoma Community Credit Union0.48%(1.0)20.91%
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.24%(4.5)31.86%
Union Square Credit Union-0.05%(4.0)20.91%
Primewest Mortgage0.02%(3.5)4.28%
First National Bank Mortgage0.04%(3.5)2.77%
First Bank0.04%(3.5)11.71%
Wells Fargo Bank0.05%(3.5)7.81%
USAA0.08%(3.0)2.02%
Quicken Loans0.12%(3.0)5.67%
Texoma Community Credit Union0.52%(1.0)12.97%
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.16%(4.5)33.68%
Union Square Credit Union-0.05%(3.5)22.38%
Wells Fargo Bank0.01%(3.5)6.90%
Primewest Mortgage0.06%(3.0)5.23%
First Bank0.07%(3.0)15.90%
USAA0.10%(3.0)3.14%
First National Bank Mortgage0.12%(3.0)2.93%
Quicken Loans0.18%(2.5)2.72%
Texoma Community Credit Union0.57%(1.0)7.11%
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.37%(5.0)29.11%
First National Bank Mortgage-0.09%(4.0)2.53%
Primewest Mortgage-0.05%(3.5)2.85%
Union Square Credit Union-0.05%(3.5)18.67%
First Bank0.00%(3.5)5.38%
USAA0.04%(3.5)0.32%
Quicken Loans0.06%(3.0)10.13%
Wells Fargo Bank0.09%(3.0)9.18%
Texoma Community Credit Union0.48%(1.0)21.84%
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.18%(4.5)27.51%
Union Square Credit Union-0.17%(4.5)16.73%
First Bank0.08%(3.0)22.68%
Quicken Loans0.15%(2.5)6.32%
First National Bank Mortgage0.16%(2.5)8.92%
Primewest Mortgage0.19%(2.5)17.84%
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.17%(4.5)27.92%
Union Square Credit Union-0.17%(4.5)16.98%
First Bank0.08%(3.0)23.02%
First National Bank Mortgage0.17%(2.5)9.06%
Quicken Loans0.18%(2.5)4.91%
Primewest Mortgage0.19%(2.5)18.11%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Union Square Credit Union0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Union Square Credit Union0.00%(3.5)100.00%
Insufficient data available.
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.11%(4.0)27.57%
Union Square Credit Union-0.06%(4.0)20.59%
First National Bank Mortgage0.04%(3.5)1.10%
Primewest Mortgage0.05%(3.5)9.93%
Wells Fargo Bank0.05%(3.5)1.84%
USAA0.07%(3.0)22.06%
First Bank0.11%(3.0)12.87%
Quicken Loans0.15%(3.0)4.04%
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.11%(4.0)28.24%
Union Square Credit Union-0.06%(4.0)20.61%
First National Bank Mortgage0.04%(3.5)1.15%
Primewest Mortgage0.05%(3.5)10.31%
Wells Fargo Bank0.05%(3.5)1.91%
USAA0.08%(3.0)21.76%
First Bank0.12%(3.0)12.21%
Quicken Loans0.16%(2.5)3.82%
Lender NameRate DifferenceRate RatingMarket Share
American National Bank & Trust-0.01%(3.5)10.00%
USAA-0.01%(3.5)30.00%
Quicken Loans-0.01%(3.5)10.00%
Union Square Credit Union0.01%(3.5)20.00%
First Bank0.01%(3.5)30.00%

* Data is compiled for the Wichita Falls, TX commuting zone area, which comprises of counties of Archer County, TX, Baylor County, TX, Clay County, TX, and Wichita County, TX. This includes cities/towns/communities of Wichita Falls, TX as well as Burkburnett, TX, Iowa Park, TX, Lakeside City, TX, Petrolia, TX, Seymour, TX, Archer City, TX, Bellevue, TX, Holliday, TX, Henrietta, TX, and Electra, TX. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

This page contains information about the top mortgage lenders in the Wichita Falls, TX area. For mortgage lender rankings in other cities, click here.