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Regent Financial Group, Inc.

Independent Mortgage CompanyELKHORN, NEDirect to Consumer

We analyzed every closed loan from Regent Financial Group 564 loans across 593 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA
Place
Strong
Multi-Region · 5 mkts

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Things to Think About

  • Pricing may be below industry average

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Report Card

Regent Financial Group, Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+39.8 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Mediocre
Below peers
Bottom 20% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional6 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Strong
Acceptable
Strong
35763.3%
+0.334%Above
$2,417Fees
FHA Loans
Sound
Strong
Acceptable
Exceptional
14826.2%
+0.715%Above
$2,218Fees
VA Loans
Sound
Strong
Mediocre
Exceptional
559.8%
-0.007%Below
$2,754Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Acceptable
Exceptional
55498.2%
+0.403%Above
$2,403Fees
Refinance
Mediocre
Mediocre
101.8%
+0.173%Above
$2,181Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
564
Applications
593
Volume
$137 million
Pricing & Closing
Avg Rate Spread
+0.398%
vs. market APOR
Avg Net Fees
$2,398
Origination − Credits
Pullthrough Rate
95.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$244,078
Avg Borrower Income
$110,771
Avg Property Value
$280,975

Geographic Coverage

Geographic Performance

Metro Areas
5
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

IAKSMNNEOKWI

Top Metro Areas by Place Specialization Score

1
Omaha, NE, NE-IAMSA
Volume: 216Mix: 38.30%of portfolio
Place
Exceptional
2
Wichita, KS, KSMSA
Volume: 116Mix: 20.57%of portfolio
Place
Strong
3
Duluth, MN, MN-WIMSA
Volume: 101Mix: 17.91%of portfolio
Place
Strong
4
Tulsa, OK, OKMSA
Volume: 32Mix: 5.67%of portfolio
Place
Sound
5
Lincoln, NE, NEMSA
Volume: 17Mix: 3.01%of portfolio
Place
Sound

Top States by Place Specialization Score

1
NEState
Volume: 260Mix: 46.10%of portfolio
Place
Exceptional
2
KSState
Volume: 130Mix: 23.05%of portfolio
Place
Strong
3
MNState
Volume: 92Mix: 16.31%of portfolio
Place
Strong
4
OKState
Volume: 39Mix: 6.91%of portfolio
Place
Sound
5
IAState
Volume: 27Mix: 4.79%of portfolio
Place
Sound
6
WIState
Volume: 16Mix: 2.84%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.