Regent Bank mortgage approval rate & lending review
Regent Bank decided 605 mortgage applications and funded 546 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Regent Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Regent Bank at a glance
Approval is 7.8 points above the 84.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 265 / 286 | 98% | $225K | 259 |
| Refinance | 75% | 69 / 92 | 94% | $135K | 65 |
| Investment property purchase | 99% | 127 / 128 | 100% | $155K | 127 |
| Investment refinance | 98% | 86 / 88 | 100% | $145K | 86 |
Regent Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Regent Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tulsa County, OK | Mortgage lenders | 94% | 143 | 132 |
| Tulsa County, OK | Investment property purchase | 100% | 56 | 56 |
| Tulsa County, OK | Refinance | 76% | 67 | 49 |
| Tulsa County, OK | Investment refinance | 100% | 41 | 41 |
| Oklahoma County, OK | Investment property purchase | 97% | 39 | 38 |
| Oklahoma County, OK | Investment refinance | 100% | 31 | 31 |
The county markets where Regent Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Regent Bank
What is Regent Bank's mortgage approval rate?
Regent Bank approved 91.9% of the 605 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.8 points above the 84.1% national rate for the same mix of loan types.
How often do borrowers take the loan Regent Bank offers?
Borrowers accepted 98% of the loans Regent Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Regent Bank make?
The typical home purchase mortgage loan Regent Bank made was $225K; across all loan types its typical loan ran from $135K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Regent Bank lend?
Regent Bank decided applications in 14 of the states Fat Boy Data covers, most of them in Oklahoma, Missouri and Texas.
Can I apply to Regent Bank directly?
Yes. Regent Bank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Regent Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Regent Bank treats applications, then get a rate quote from the lender.