The First National Bank of McGregor mortgage approval rate & lending review
The First National Bank of McGregor decided 366 mortgage applications and funded 352 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The First National Bank of McGregor reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The First National Bank of McGregor at a glance
Approval is 19.9 points above the 76.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 65 / 70 | 100% | $245K | 65 |
| Cash-out refinance | 95% | 129 / 136 | 100% | $175K | 129 |
| Investment property purchase | 100% | 54 / 54 | 100% | $135K | 54 |
| Investment cash-out refinance | 97% | 60 / 62 | 100% | $125K | 60 |
The First National Bank of McGregor lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 96% | $175K | 363 | 349 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The First National Bank of McGregor lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLennan County, TX | Cash-out refinance | 94% | 124 | 117 |
| McLennan County, TX | Mortgage lenders | 91% | 57 | 52 |
| McLennan County, TX | Investment cash-out refinance | 96% | 51 | 49 |
| McLennan County, TX | Investment property purchase | 100% | 44 | 44 |
The county markets where The First National Bank of McGregor made the most loans. Each link opens that market with every lender ranked.
Questions about The First National Bank of McGregor
What is The First National Bank of McGregor's mortgage approval rate?
The First National Bank of McGregor approved 96.2% of the 366 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 19.9 points above the 76.3% national rate for the same mix of loan types.
How often do borrowers take the loan The First National Bank of McGregor offers?
Borrowers accepted 100% of the loans The First National Bank of McGregor approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The First National Bank of McGregor make?
The typical cash-out refinance loan The First National Bank of McGregor made was $175K; across all loan types its typical loan ran from $125K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The First National Bank of McGregor lend?
The First National Bank of McGregor decided applications in 3 of the states Fat Boy Data covers, most of them in Texas, Illinois and Arkansas.
Can I apply to The First National Bank of McGregor directly?
Yes. The First National Bank of McGregor is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The First National Bank of McGregor's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The First National Bank of McGregor treats applications, then get a rate quote from the lender.