Purchase Originations
6,724
Ranked #67 nationally
Median Total Costs
$5,633
−15.7% vs national ($6,680)
↓ $104 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,575
Median Lender Credits
$169
Cost Rank (500+ vol.)
#249
among lenders with 500+ originations
Denial Rate
13.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,313 | 6.500% | $5,083 | $1,590 |
| fha | 924 | 6.250% | $8,663 | $1,487 |
| va | 331 | 6.000% | $6,642 | $1,606 |
| usda | 156 | 6.250% | $5,609 | $1,523 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 1,353 | 6.375% | $7,777 | #35 |
| Alabama | 993 | 6.500% | $4,483 | #11 |
| Georgia | 813 | 6.375% | $6,979 | #30 |
| Tennessee | 726 | 6.500% | $4,951 | #24 |
| Texas | 423 | 6.250% | $8,616 | #129 |
| Mississippi | 371 | 6.500% | $5,110 | #16 |
| Louisiana | 342 | 6.500% | $5,868 | #22 |
| Arkansas | 290 | 6.375% | $4,453 | #23 |
| Indiana | 275 | 6.625% | $3,332 | #68 |
| North Carolina | 269 | 6.375% | $5,804 | #85 |
| Missouri | 248 | 6.625% | $4,034 | #47 |
| Illinois | 241 | 6.625% | $3,472 | #79 |
| South Carolina | 215 | 6.250% | $5,881 | #70 |
| Kentucky | 88 | 6.500% | $3,680 | #91 |
| Virginia | 14 | 6.500% | $4,586 | — |
| Colorado | 10 | 6.250% | $4,250 | — |
| Iowa | 10 | 6.625% | $3,340 | — |
| Ohio | 10 | 6.500% | $4,555 | — |
| Oklahoma | 8 | 6.562% | $4,217 | — |
| Michigan | 7 | 6.125% | $4,819 | — |
| Wisconsin | 4 | 6.562% | $3,215 | — |
| Kansas | 3 | 6.250% | $5,537 | — |
| Arizona | 2 | 3.183% | $3,114 | — |
| Minnesota | 2 | 3.438% | $3,375 | — |
| California | 1 | 3.562% | $3,581 | — |
| Connecticut | 1 | 3.250% | $2,225 | — |
| District of Columbia | 1 | 2.875% | $4,519 | — |
| Maryland | 1 | 3.625% | $3,139 | — |
| Montana | 1 | 2.875% | $1,913 | — |
| Nevada | 1 | 2.750% | $3,965 | — |
| Oregon | 1 | 4.125% | $3,419 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,825 | 6.500% | — | 236 | −$1,808 | |
| 2 | $3,834 | 6.375% | — | 109 | −$1,799 | |
| 3 | $4,072 | 6.625% | — | 82 | −$1,561 | |
| 4 | $4,534 | 6.500% | — | 63 | −$1,099 | |
| 5 | $4,883 | 6.500% | — | 62 | −$750 | |
| 6 | $5,112 | 6.375% | — | 94 | −$521 | |
| 7 | $5,132 | 6.500% | — | 119 | −$501 | |
| 8 | $5,233 | 6.250% | — | 85 | −$400 | |
| 9 | $5,753 | 6.125% | — | 107 | +$120 | |
| 10 | $5,772 | 6.188% | — | 94 | +$139 | |
| 11 | $6,106 | 6.500% | — | 75 | +$473 | |
| 12 | $6,547 | 6.375% | — | 75 | +$914 | |
| 13 | $6,892 | 6.250% | — | 81 | +$1,259 | |
| 14 | $7,667 | 6.500% | — | 63 | +$2,034 | |
| 15 | $7,686 | 6.250% | — | 127 | +$2,053 | |
| 16 | $8,683 | 6.125% | — | 61 | +$3,050 | |
| 17 | $9,420 | 6.125% | — | 64 | +$3,787 | |
| 18 | $9,907 | 6.125% | — | 152 | +$4,274 | |
| 19 | $10,020 | 6.125% | — | 150 | +$4,387 | |
| 20 | $11,119 | 6.375% | — | 128 | +$5,486 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Regions Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $5,633 | $7,127 | −$1,494 (−21.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.