Regent Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
64th6.7% deniedProcesswithdrawn + incomplete share, weight 15%
36th14.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 396 | 308 | 5.1% | 6.1% | — | $90M |
| 2024 | 356 | 245 | 8.7% | 11.0% | — | $70M |
| 2025 | 350 | 272 | 5.7% | 6.7% | — | $114M |
What Regent Bank 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, 4 manufactured homes, 128 investment properties.
Who gets approved at Regent Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 22 | 21.4% |
| $50k – $100k | 61 | 45 | 8.2% |
| $100k – $150k | 49 | 31 | 11.1% |
| $150k – $250k | 39 | 26 | 6.7% |
| Over $250k | 46 | 30 | 11.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 46 | 32 | 15.4% |
| 35–44 | 74 | 49 | 10.5% |
| 45–54 | 44 | 27 | 17.1% |
| 55–64 | 39 | 32 | 0.0% |
Where Regent Bank lends
14 states and 62 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Regent Bank denied 6.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 64th percentile of small mortgage lenders.
In 2025, 62% of its applications were for home purchases, 35% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 92% conventional, 4% FHA, 3% 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.