Regent Bank Mortgage Rates, Fees & Info
Tulsa, OKLEI: 549300BSTNYSV3EWYM24
Tax ID: 73-0376185
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Mortgage Data
Review & Overview
Regent Bank is a smaller bank specializing in Home Purchase loans. Regent Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Tulsa, Oklahoma City, Dallas, Stillwater, and Weatherford among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)Regent Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
245Origination Dollar Volume (All Markets)
$69,685,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| TULSA, OK (FHA|USDA|VA) | 98 | $24,800,000 | $253,061 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 69 | $20,305,000 | $294,275 | $0 | 0.00% |
| Outside of Metro Areas | 28 | $8,740,000 | $312,143 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $3,890,000 | $972,500 | $0 | 0.00% |
| Stillwater, OK (FHA|USDA|VA) | 7 | $1,585,000 | $226,429 | $0 | 0.00% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $1,225,000 | $1,225,000 | $0 | 0.00% |
| McAlester, OK (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $0 | 0.00% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $0 | 0.00% |
| Bartlesville, OK (FHA|USDA|VA) | 8 | $790,000 | $98,750 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $0 | 0.00% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 0.00% |
| Guymon, OK (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 0.00% |
| Woodward, OK (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| Durant, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Muskogee, OK (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 0.00% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| Miami, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 227 | $64,305,000 | $283,282 | $0 | 0.00% |
| FHA | 9 | $1,715,000 | $190,556 | $0 | 0.00% |
| VA | 9 | $3,665,000 | $407,222 | $0 | 0.00% |
For 2024, Regent Bank's most frequently originated type of loan was Conventional, with 227 originations. Their 2nd most popular type was FHA, with 9 originations.
Loan Reason
For 2024, Regent Bank's most frequently cited loan purpose was Home Purchase, with 164 originations. The 2nd most popular reason was Refi, with 67 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 245 | $69,685,000 | $284,429 | $0 | 0.00% |
For 2024, Regent Bank's most frequently cited loan duration was Other, with 245 originations.
Loan Sizing
2024 saw Regent Bank place emphasis on $200k-400k loans with 79 originations, totaling $21,625,000 in origination value.
Applicant Income
Regent Bank lent most frequently to those with incomes in the $100k-150k range, with 48 originations. The second most popular income band? $250k+, with 35 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 245 | $69,685,000 | $284,429 | $0 | 0.00% |
Regent Bank lent most frequently to those with DTI ratios of Exempt%, with 245 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.29%
Regent Bank has an average approval rate.
Pick Rate
Approvals leading to origination68.98%
Regent Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 245 | $69,685,000 | $284,429 |