Applications / Mortgage Analytics / Lenders / Alabama / Regions Bank
Birmingham, AL · State member bank · FRS · $157 billion assets · 30,269 loans in 2025
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30,269
loans originated, 2025
68,710
applications, 2025
40
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Regions Bank made 30,269 loans in 2025, less than half its 61,307 of 2020, and home improvement (29.5%) is now its largest loan purpose, ahead of purchase (25.8%).
Originations rose 3% in 2025, slower than about two-thirds of similar lenders (state member banks making between an eighth and eight times as many loans), whose typical growth was 9%, and below the whole market's 10%. Lending by value fell from $8.80 billion to $7.96 billion. It is the largest lender in that group.
Home improvement is 29.5% of its lending, purchase and refinancing 25.8% each, and other purposes 18.9%. Its typical loan, $105,000, is about half the $210,000 of peers and down from $165,000 in 2020. That mix may explain the small typical loan, and may mean much of its lending goes to existing homeowners rather than buyers.
Higher-priced loans (a rate well above the average for similar loans) fell from 3.7% to 0.3%, lower than about four in five peers. Its typical rate fell from 6.99% to 5.62%, against 6.72% for peers, among the lowest in the group. Its many smaller home-improvement and other-purpose loans may play a part.
Its Houston share rose from 0.7% to 1.1%, while in Nashville it fell from 2.3% to 1.6%; changes in local competition or its own focus could explain either. Its LMI (low- and moderate-income) borrower share rose from 23.5% in 2020 to 31.0%, higher than about two-thirds of peers.
Questions the data can answer next
Similar lenders: same lender type, originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Regions Bank took 68,710 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 29.5% · Purchase 25.8% · Refinance 25.8% · Other 18.9%
Conventional 93.8% · FHA 4.3% · VA 1.4% · USDA (RHS or FSA) 0.5% · of 30,269 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 5,826 | 19.2% |
| Alabama | 5,523 | 18.2% |
| Tennessee | 5,322 | 17.6% |
| Georgia | 2,869 | 9.5% |
| Mississippi | 1,886 | 6.2% |
| Louisiana | 1,282 | 4.2% |
| Texas | 1,252 | 4.1% |
| Missouri | 1,188 | 3.9% |
| Illinois | 1,168 | 3.9% |
| Arkansas | 1,129 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 1,984 |
| Nashville-Davidson--Murfreesboro--Franklin | 1,784 |
| St. Louis | 1,389 |
| Atlanta-Sandy Springs-Roswell | 1,104 |
| Memphis | 894 |
| Tampa | 830 |
| Knoxville | 734 |
| Orlando-Kissimmee-Sanford | 695 |
| Huntsville | 643 |
| Chattanooga | 618 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | EQTWLK1G7ODGC2MGLV11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 233031 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312368 | 1990–2000 |
| Respondent ID (the HMDA filer code before 2018) | 2233031 | 2001–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9233031 | 2011–2017 |
Established 1 January 1928. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Regions Bank's data.
Regions Bank's data
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