1Peter 1:23 Being born again[which were born], not of corruptible seed[not of blood nor the will of man], but of incrruptible, by the word of God, which liveth and abideth for ever.
13Which were born, not of blood, nor of the will of the flesh, nor of the will of man, but of God.
See how these texts fit together?
"If we are born again at the physical baptism, wouldn't that mean it was our will then that we are born again? "
Matthew 7:21 Not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father which is in heaven.