Applications / Mortgage Analytics / Lenders / Texas / The First National Bank of McGregor
Mc Gregor, TX · National bank · OCC · $1.0 billion assets · 153 loans in 2025
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153
loans originated, 2025
163
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of McGregor is a refinance lender: 66.0% of its 2025 loans refinanced an existing mortgage, and it ranks 12 of 368 lenders in Waco, its home market.
Refinances made up 66.0% of its loans and purchases 30.1%. Its loans rose 25% to 153, against 6% for similar lenders, national banks making between half and twice as many loans, and 10% for the whole market. That was faster than nearly four in five of them, and brings it back to about its level of 2020.
It has lent in Waco since 1990. Its share of the dollars lent there rose from 1.6% to 2.1%. SWBC Mortgage leads the market, followed by United Wholesale Mortgage. Its dollar total rose from $29.8 million to $53.0 million, far faster than its loan count, and loans larger than the conforming limit (jumbo) rose to 7.2% from 2.8%, so a few large loans may account for part of the gain.
The bank made 30.1% of its loans in low- and moderate-income (LMI) neighborhoods, against 15.2% at similar lenders, more than at nearly nine in ten of them. It made 34.0% in majority-minority neighborhoods, against 7.5%, more than at nine in ten.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The First National Bank of McGregor took 163 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.0% · Purchase 30.1% · Home improvement 2.0% · Other 2.0%
Conventional 100.0% · of 153 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 150 | 98.0% |
| Illinois | 1 | 0.7% |
| Kentucky | 1 | 0.7% |
| Oregon | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 119 |
| Killeen-Temple | 10 |
| San Antonio-New Braunfels | 6 |
| Dallas-Plano-Irving | 4 |
| Fort Worth-Arlington-Grapevine | 3 |
| Austin-Round Rock-San Marcos | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Odessa | 1 |
| Tyler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EC7M6N4U9DR727 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 895055 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14076 | 1990–2017 |
Established 1 January 1889. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank of McGregor's data.
The First National Bank of McGregor's data
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The First National Bank of McGregor and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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