Lenders › Regions Bank › Florida
Regions Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Regions Bank's 2024 HMDA record for Florida covers 14,827 applications, 5,985 of them originated, worth $1.8bn.
Its denial rate in the state was 46.9%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 45.8%.
The median rate spread on its Florida originations was 0.3 percentage points (state median 0.3).
Applications in the state were down 6% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Regions Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 46.9% | 29.0% | 45.8% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.9% | 16.4% | 22.5% | 15.6% |
| Average originated loan | $304k | $359k | $300k | $329k |
| Home purchase share | 31.8% | 62.9% | 29.2% | 57.0% |
| FHA-insured share | 3.2% | 17.7% | 4.9% | 13.4% |
| VA-guaranteed share | 1.7% | 9.5% | 1.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 32% (1,902)Home improvement 31% (1,854)Refinancing 15% (915)Cash-out refinancing 3% (189)Other purpose 19% (1,125)
By type
Conventional 95% (5,688)FHA 3% (189)VA 2% (102)USDA 0% (6)
Denial reasons as coded
Share of 6,033 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 1,706 | 620 | $184m | 52.5% |
| Hillsborough County | 1,251 | 576 | $206m | 40.7% |
| Pinellas County | 1,332 | 537 | $139m | 44.3% |
| Orange County | 898 | 324 | $77m | 53.1% |
| Marion County | 679 | 294 | $86m | 44.9% |
| Pasco County | 527 | 218 | $42m | 47.3% |
| Escambia County | 473 | 217 | $47m | 41.3% |
| Duval County | 473 | 188 | $140m | 48.6% |
| Manatee County | 355 | 174 | $57m | 31.8% |
| Santa Rosa County | 371 | 173 | $96m | 38.6% |
| Bay County | 425 | 166 | $37m | 48.5% |
| Broward County | 627 | 164 | $35m | 62.7% |
| Brevard County | 352 | 162 | $35m | 41.4% |
| Volusia County | 412 | 161 | $29m | 50.1% |
| Lee County | 396 | 150 | $34m | 51.1% |
| Sarasota County | 355 | 147 | $43m | 44.2% |
| St. Johns County | 259 | 137 | $70m | 26.5% |
| Walton County | 272 | 129 | $76m | 41.0% |
| Hernando County | 272 | 124 | $12m | 42.7% |
| Citrus County | 274 | 123 | $16m | 42.3% |
| Seminole County | 328 | 122 | $28m | 51.2% |
| Lake County | 255 | 117 | $22m | 40.9% |
| Palm Beach County | 375 | 115 | $26m | 57.0% |
| Charlotte County | 288 | 112 | $22m | 43.4% |
| Okaloosa County | 269 | 110 | $19m | 47.2% |
| Polk County | 292 | 100 | $18m | 55.6% |
| Osceola County | 262 | 88 | $19m | 57.5% |
| Collier County | 222 | 81 | $14m | 54.0% |
| Nassau County | 104 | 66 | $29m | 19.5% |
| Leon County | 133 | 56 | $70m | 37.8% |
| Clay County | 80 | 35 | $10m | 40.8% |
| Sumter County | 78 | 30 | $6.3m | 53.1% |
| Flagler County | 68 | 29 | $18m | 36.4% |
| Washington County | 42 | 20 | $2.2m | 45.0% |
| Alachua County | 43 | 18 | $30m | 44.4% |
| St. Lucie County | 46 | 13 | $1.9m | 58.5% |
| Jackson County | 33 | 13 | $1.6m | 53.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Regions Bank originate in Florida in 2024?
5,985 loans totalling $1.8bn, from 14,827 applications reported for properties in Florida.
What is Regions Bank's denial rate in Florida?
46.9% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 45.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Regions Bank lend in most?
By originations: Miami-Dade County (620), Hillsborough County (576), Pinellas County (537), Orange County (324), Marion County (294).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.