Personal loans in Wortham, TX
The Census counts 1,027 people in Wortham, the 791st-largest figure among Texas's 1,224 places. Wortham counts about 1,027 people, and what is genuinely local about borrowing here is limited — Texas law does the governing. Pull your credit reports and line up at least three offers before you apply from Wortham. For the 1,027 people in Wortham, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Wortham gained roughly 4.2% in population across the 2020-to-2023 comparison. The nearest larger metro is Mexia, TX about 8 miles away.
Wortham: population, trend and location
Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.
- Population: an estimated 1,027 residents, 791st of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is positive, near 4.2%.
- People gained or lost: about 41 more since the 2020 base.
- Size percentile: roughly 35% of Texas's places have fewer residents than Wortham's 1,027.
- Population density: about 517 people per square mile across 2.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Wortham ranks 716th among Texas's 1,224 places, at 2.0 sq mi.
- State population share: Wortham accounts for about 0.0% of everyone in Texas.
- National rank: Wortham is 10,101st of 19,457 places nationwide.
- Growth in Texas: Wortham stands 494th by percentage change from 2020 to 2023, among 1,224 places.
- Against the state trend: Wortham's 4.2% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Wortham is the 867th most densely settled place in Texas.
- Density in context: Wortham's 517 people per square mile sit against a Texas median of 840.
- Location: coordinates 31.7902, -96.4616 (US Census Bureau Gazetteer).
- Nearest larger cities: Mexia (8 mi); Teague (15 mi); Fairfield (18 mi); Groesbeck (19 mi); Corsicana (20 mi). Lenders licensed in the state serve Wortham whether or not they keep a local branch.
- Nearest smaller places: Tehuacana (6 mi); Kirvin (8 mi); Richland (10 mi).
- Smaller neighbours: 51 places smaller than Wortham sit within 50 miles.
- Larger places within 100 miles: 228.
Texas consumer-lending rules applied in Wortham
Below are the Texas rules that apply to a loan made in Wortham, each with the regulator that issued it.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas Office of Consumer Credit Commissioner (OCCC) Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Small-loan / installment lender licensing | License required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051) Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001) Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law. | Texas Legislature (Texas Constitution and Statutes) as of 2026-09-16 |
Wortham on the map
Wortham's land area is roughly 2.0 square miles, and the Gazetteer records no significant water area within it. With 1,027 residents, the land area yields roughly 517 people per square mile. Houston, the largest place in Texas, is about 152 miles from Wortham. Within 50 miles of Wortham there are 36 larger Census places. The 100-mile radius contains 228 larger places.
How Wortham compares across Texas
Against Texas's other places, Wortham accounts for about 0.0% of the state's population and ranks 791st of 1,224 by size. Its 2020-to-2023 change ranks 494th of 1,224 Texas places, putting it near the 60th percentile for growth. Its roughly 517 residents per square mile place it 867th among Texas's places. Within 50 miles sit 51 smaller Census places, alongside the 36 that are larger.
Lender access in Wortham
With about 517 residents per square mile, Wortham is moderately settled, and 36 larger Census places sit within 50 miles. Whether Wortham has a local branch or not, a Texas-licensed lender can serve its 1,027 people online on the same terms. For a larger market, the closest option is Mexia, TX about 8 miles away.
How a Wortham personal loan is priced
Most loans made to Wortham's 1,027 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Wortham. A longer term lowers the monthly payment on a Wortham loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Tehuacana, TX — population 229
- Mexia, TX — population 6,859
- Kirvin, TX — population 107
- Richland, TX — population 273
- Streetman, TX — population 267
- Coolidge, TX — population 786
- Angus, TX — population 459
- Navarro, TX — population 238