The First National Bank of Hutchinson at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st1.6% deniedProcesswithdrawn + incomplete share, weight 15%
89th1.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 260 | 223 | 7.3% | 7.5% | — | $45M |
| 2024 | 233 | 214 | 3.9% | 3.9% | — | $42M |
| 2025 | 263 | 245 | 1.5% | 1.6% | — | $48M |
What The First National Bank of Hutchinson lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 94 investment properties.
Why The First National Bank of Hutchinson denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The First National Bank of Hutchinson
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 31 | 28 | 3.3% |
| $50k – $100k | 83 | 76 | 3.6% |
| $100k – $150k | 31 | 28 | 0.0% |
| $150k – $250k | 22 | 21 | 0.0% |
| Over $250k | 21 | 17 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 27 | 25 | 0.0% |
| 25–34 | 47 | 42 | 0.0% |
| 35–44 | 25 | 23 | 4.2% |
| 45–54 | 47 | 44 | 2.2% |
| 55–64 | 24 | 22 | 0.0% |
| 65–74 | 20 | 17 | 10.0% |
Where The First National Bank of Hutchinson lends
12 states and 36 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
The First National Bank of Hutchinson denied 1.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of small mortgage lenders.
The most common reason The First National Bank of Hutchinson gave in 2025 was "debt-to-income ratio", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 65% of its applications were for home purchases, 27% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.