Regent Financial Group 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%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
41st0.35 ptsProcesswithdrawn + incomplete share, weight 15%
40th13.8%Closing coststotal loan costs ÷ loan amount, weight 10%
32nd2.38% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 876 | 751 | 0.0% | 0.0% | 6.75% | $160M |
| 2024 | 726 | 640 | 0.0% | 0.0% | 6.63% | $143M |
| 2025 | 709 | 611 | 0.0% | 0.0% | 6.49% | $153M |
What Regent Financial Group 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, 8 manufactured homes, 29 investment properties.
Who gets approved at Regent Financial Group
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 66 | 50 | 0.0% |
| $50k – $100k | 315 | 267 | 0.0% |
| $100k – $150k | 180 | 161 | 0.0% |
| $150k – $250k | 112 | 103 | 0.0% |
| Over $250k | 30 | 25 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 103 | 96 | 0.0% |
| 25–34 | 251 | 221 | 0.0% |
| 35–44 | 168 | 140 | 0.0% |
| 45–54 | 98 | 83 | 0.0% |
| 55–64 | 59 | 46 | 0.0% |
| 65–74 | 23 | 18 | 0.0% |
Where Regent Financial Group lends
6 states and 66 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Regent Financial Group denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Regent Financial Group originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was 0.35 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 88% of its applications were for home purchases, 12% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 66% conventional, 24% FHA, 8% 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.