The First National Bank of McGregor 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%
89th1.9% deniedProcesswithdrawn + incomplete share, weight 15%
81st4.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 147 | 130 | 6.8% | 7.1% | — | $31M |
| 2024 | 135 | 122 | 4.4% | 4.7% | — | $30M |
| 2025 | 163 | 153 | 1.8% | 1.9% | — | $53M |
What The First National Bank of McGregor 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, 9 manufactured homes, 67 investment properties.
Why The First National Bank of McGregor denies applications
Primary reason reported for each of the 3 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 McGregor
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 31 | 29 | 3.3% |
| $100k – $150k | 26 | 23 | 4.2% |
| $150k – $250k | 27 | 26 | 0.0% |
| Over $250k | 24 | 22 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 29 | 26 | 0.0% |
| 45–54 | 37 | 33 | 8.3% |
| 55–64 | 22 | 22 | 0.0% |
Where The First National Bank of McGregor lends
4 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 160 | 150 | 1.9% | — | #457 |
Frequently asked questions
The First National Bank of McGregor denied 1.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 89th percentile of small mortgage lenders.
The most common reason The First National Bank of McGregor gave in 2025 was "debt-to-income ratio", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 31% of its applications were for home purchases, 65% for refinancing (including cash-out), and 4% 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.