Regions Bank's 10.8k closed loans and 19k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Regions Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+33.3 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
8,026 loans · 0.37% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,345 loans · 0.40% above market
Exceptional
Top 20% of lenders
5/5
VA
372 loans · 0.40% below market
Strong
Top 40% of lenders
4/5
Jumbo
939 loans · 0.01% above market
Exceptional
Top 10% of lenders
5/5
USDA
129 loans · 0.48% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
8,032 loans · 0.22% above market
Exceptional
Top 20% of lenders
5/5
Refinance
2,779 loans · 0.64% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 8,026 | 74.2% | +0.372%Above | $1,821Fees | ||||
FHA Loans | 1,345 | 12.4% | +0.395%Above | $2,561Fees | ||||
VA Loans | 372 | 3.4% | -0.398%Below | $2,669Fees | ||||
Jumbo Loans | 939 | 8.7% | +0.013%Above | $1,905Fees | ||||
USDA Loans | 129 | 1.2% | +0.484%Above | $2,005Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume8,026
Mix74.2%
Spread
+0.372%Above
Fees
$1,821Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughSound
Volume1,345
Mix12.4%
Spread
+0.395%Above
Fees
$2,561Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume372
Mix3.4%
Spread
-0.398%Below
Fees
$2,669Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume939
Mix8.7%
Spread
+0.013%Above
Fees
$1,905Fees
USDA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume129
Mix1.2%
Spread
+0.484%Above
Fees
$2,005Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 8,032 | 74.3% | +0.216%Above | $2,239Fees | ||||
Refinance | 2,779 | 25.7% | +0.643%Above | $1,180Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughSound
Volume8,032
Mix74.3%
Spread
+0.216%Above
Fees
$2,239Fees
Refinance
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume2,779
Mix25.7%
Spread
+0.643%Above
Fees
$1,180Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
10,811
Applications
18,791
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
+0.333%
vs. market APOR
Avg Net Fees
$1,948
Origination − Credits
Pullthrough Rate
57.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$346,965
Avg Borrower Income
$173,958
Avg Property Value
$493,689
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
32
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
32Full-year 2024 · HMDALoans originated
< 2020–500500+None
Northeast1
PA
Midwest10
IAILINKSMIMNMONEOHWI
South15
ALARDCDEFLGAKYLAMSNCOKSCTNTXVA
West6
AZCACONMNVUT
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 18 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.