Tenth in Duluth
Its share of Duluth lending rose to 2.5% from 2.2%, ranking it 10th of 318 lenders. In Omaha, its home market, it ranked 34 of 417, and in Wichita 24 of 367. It has lent in Omaha and Wichita since 2015.
Applications / Mortgage Analytics / Lenders / Nebraska / Regent Financial Group
Regent Financial Group
Omaha, NE · Independent non-bank lender · CFPB · 611 loans in 2025
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611
loans originated, 2025
709
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Regent Financial Group is an Omaha purchase lender whose strongest position is not at home but in Duluth, where it ranks tenth.
Buyers and modest loans
Home purchases made up 88.2% of its 611 loans. Its typical loan, $235,000, was smaller than at more than four in five similar lenders, meaning independent non-bank lenders making between half and twice as many loans. Its use of government-backed loans was close to its peers'.
Lower-income borrowers, few minority neighborhoods
Borrowers with low or moderate incomes took 38.7% of its loans, against 24.6% at similar lenders, higher than four in five of them. Yet only 4.7% of its loans were in majority-minority neighborhoods, against 25.2%, among the lowest tenth. Its footprint may explain much of that: Nebraska, Duluth, Wichita and rural Minnesota and Wisconsin.
Smaller than it was
It made 611 loans, down 5% from 640, while similar lenders grew 2%. In 2020 it made 1,984. Its count has fallen every year since then.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
611 loans in 2025, against a peak of 1,984 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Regent Financial Group took 709 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
88.2% of its 2025 loans were purchase loans; 67.4% were conventional loans.
Purchase 88.2% · Refinance 11.8%
Conventional 67.4% · FHA 23.6% · VA 8.0% · USDA (RHS or FSA) 1.0% · of 611 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
6 states, 11 metros, 59 counties
| State | Loans | Share |
|---|---|---|
| Nebraska | 285 | 46.6% |
| Kansas | 139 | 22.7% |
| Minnesota | 102 | 16.7% |
| Wisconsin | 31 | 5.1% |
| Oklahoma | 27 | 4.4% |
| Iowa | 25 | 4.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Omaha | 234 |
| Duluth | 127 |
| Wichita | 117 |
| Lincoln | 24 |
| Tulsa | 21 |
| Cedar Rapids | 2 |
| Minneapolis-St. Paul-Bloomington | 2 |
| Grand Island | 1 |
| Lawrence | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LW5BPW0G1LMW49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5019678 | 2017–2018 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5213908 | 2019–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7470834560 |
Established 22 August 2000. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Regent Financial Group's data.
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