Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Mortgages Regions Mortgage Review 2025: Multiple Loan Options But Low Customer Satisfaction Updated Nov 25, 2025 9-min read Reviewed by Timothy Moore, CFEI® Reviewed by Timothy Moore, CFEI® Expertise: Bank accounts, taxes, personal loans, debt management, student loans, auto loans, budgeting, money management, home equity Timothy Moore is a Certified Financial Education Instructor (CFEI®) specializing in bank accounts, student loans, taxes, and insurance. His passion is helping readers navigate life on a tight budget. Learn more about Timothy Moore, CFEI® Edited by Kristen Barrett, MAT Edited by Kristen Barrett, MAT Expertise: Student loans, mortgages, personal loans, home equity, investing Kristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their three senior rescue dogs. She has edited and written personal finance content since 2015. Learn more about Kristen Barrett, MAT 3.1 /5 Our take: While Regions Bank offers a wide range of mortgage options to borrowers in the South, Midwest, and Texas, online reviews paint a picture of poor customer service and a lack of transparency. It’s difficult to compare Regions to other mortgage lenders online because Regions shares no public information about rates and fees.We recommend starting with our list of the best mortgage lenders instead. Purchase and RefinanceView Rates Purchase and refinance options available Fixed and adjustable rates available Unique options for doctors, lawyers, and high-net-worth individuals One-time closing for construction and renovation loans “Affordable” mortgage options with a low or no down payment Poor customer reviews No publicly available info on rates and fees No easily available info on eligibility requirements Not available nationwide Rates (APR)Not disclosedLoan amountsUp to $5 millionRepayment termsNot disclosed Table of Contents About Regions mortgages Mortgage types Conventional Government-backed Construction loans Physicians and emerging professionals High-net-worth mortgages Affordable mortgages Refinance mortgage Customer reviews Pros and cons Alternatives vs. SoFi vs. Rocket Mortgage vs. Quicken Loans About Regions mortgages Regions Bank was founded in 1971, formed by three separate banks (Exchange Security Bank of Birmingham, First National Bank of Huntsville, and First National Bank of Montgomery) that joined to become a bank holding company. Headquartered in Birmingham, Alabama, Regions Bank offers a wide range of traditional banking services, including checking and savings accounts, credit cards and installment loans, home loans, and investments and retirement planning services, to customers in the South, Midwest, and Texas. Regions Bank mortgage types Regions Bank offers a wide variety of mortgage products, but its website offers limited details about each type of mortgage. To learn more, you either have to call and speak with a loan officer or move forward with the prequalification process online, which is cumbersome when comparing the best mortgage lenders in the early stages of your research. Conventional loans View Rates What to know Regions offers conventional mortgages, both fixed-rate and adjustable-rate options. The lender does not disclose even the most basic details, such as loan term options and typical rates. Adjustable-rate mortgages are offered fixed for five, seven, or 10 years, with rate adjustments every six months after that. Loan amountsNot disclosedRepayment termsNot disclosed, but 15-, 20-, and 30-year conventional mortgages are typicalTypesFixed- and adjustable-rate conventional loans Government-backed loans View Rates What to know You can get an FHA loan, VA loan, or USDA loan through Regions, assuming you meet the qualifications. In general, FHA loans are easier to qualify for than conventional loans. VA loans and USDA loans have lower interest rates than other types of mortgages and often require no money down, but they’re only available to select borrowers who meet specific criteria (eligible US service members and veterans for VA loans and borrowers buying in USDA-designated rural areas for USDA loans). Loan amountsNot disclosedRepayment termsNot disclosed, but 15-, 20-, and 30-year conventional mortgages are typicalTypesFHA, VA, and USDA Construction loans View Rates What to know Regions offers both construction loans for borrowers interested in buying land and building a home, as well as renovation loans for current homeowners who want to remodel. Construction loans offer one-time closing to reduce costs, and you can borrow up to $2 million, if qualified. Interest payments begin as funds are drawn to pay for construction, but the rate is locked in before work begins. Loan amountsUp to $2 millionRepayment termsNot disclosedTypesConstruction and renovation loans Mortgages for physicians and emerging professionals View Rates What to know Regions offers a highly specific type of mortgage, designed for physicians and legal professionals who typically have high student loan debt and no savings for a down payment right after graduation. To meet their needs, Regions lends up to $1 million with no down payment or up to $2 million with a low down payment. These loans notably don’t require private mortgage insurance, and borrowers can close even before they begin their first job out of medical or law school. These loans are also available to established physicians. Loan amountsUp to $1 million or $2 million, depending on down paymentRepayment termsNot disclosedEligible professionalsMedical physicians regardless of how long they’ve been practicing.Attorneys, certified pharmacists, nurse anesthetists, physician assistants, nurse practitioners, veterinarians, chiropractors, optometrists, and podiatrists with no more than seven years of practice. High-net-worth mortgages View Rates What to know These specialized mortgages are only available to Regions Private Wealth Management clients, for either primary or secondary homes or investment properties. Regions offers loans as high as $5 million with fixed or adjustable rates. There is no PMI with these loans. Loan amountsUp to $5 millionRepayment termsNot disclosedTypesPurchase or refinance Affordable mortgages View Rates What to know On the other hand, Regions also offers mortgage options for those with lower income: the Affordable 97 mortgage and the Affordable 100 mortgage. Affordable 97 mortgages require only 3% down and no borrower-paid PMI. Affordable 100 mortgages allow you to buy with no money down and up to 3% of seller contributions at closing to reduce your costs. Like the Affordable 97, Affordable 100 mortgages don’t require borrower-paid PMI. Loan amountsNot disclosedRepayment termsNot disclosedDown payment required3% or 0% Regions Bank refinance mortgage View Rates What to know Regions Bank also offers mortgage refinancing, whether that’s an existing loan with Regions or a loan elsewhere. Rates (APR)Not disclosedLoan amountsVaries by loan typeRepayment termsNot disclosed Customer reviews It can be hard to assess Regions Bank for mortgages if you’re doing your initial online research because the lender publishes so little information. To get an idea of rates and terms for your scenario, you have to call and speak with a loan officer or prequalify online, something I usually recommend after you’ve done your initial research and narrowed down your list. When conducting this initial research online, you may come across some customer opinion of the bank; most of the Regions mortgage reviews you’ll find online paint a picture of poor customer service, problems with payments, and little transparency around fees. SourceCustomer reviewsNumber of reviewsTrustpilot1.4/5401Better Business Bureau (BBB)1.15/5208Collected in November 2025. Regions is an A+ accredited business with the BBB, but its BBB reviews tell another story. BBB reflects 990 total complaints in the last three years and 298 complaints closed in the last 12 months. Regions also got in trouble with the Consumer Financial Protection Bureau a decade ago for deceptive practices relating to overdraft fees on bank accounts. Reviews on Reddit also trend negative. For instance, this thread about Regions as a potential mortgage loan surfaces many bad experiences from various customers: using Regions as first-time homebuyer by inBirmingham Another thread comparing Regions and Wells Fargo for general banking resulted in many Redditors recommending working with neither bank, and I would agree. An online bank offering a high-yield savings account is a much better option, unless you absolutely need in-person banking. Regions Bank Vs Wells Fargo? by inpersonalfinance Pros and cons Regions Bank offers a wide range of mortgage options that could be worth your consideration, but with little information available without prequalifying and poor customer reviews, your time may be better spent considering more highly regarded mortgage lenders. Pros Purchase and refinance options available Fixed and adjustable rates available Unique options for doctors, lawyers, and high-net-worth individuals One-time closing for construction and renovation loans “Affordable” mortgage options with a low or no down payment Cons Poor customer reviews No publicly available info on rates and fees No easily available info on eligibility requirements Not available nationwide Alternatives Here’s how Regions stacks up against three of our picks for the best mortgage lenders: 3.1 View Rates View Rates Loan types Conventional, FHA, VA, USDA, construction, physician, high net worth, affordable, refinance Repayment terms Not disclosed 3.1 View Rates Best Close-on-Time Guarantee 4.8 View Rates View Rates Loan types Conventional, jumbo, FHA, VA, refinance Repayment terms 10-, 15-, 20-, 30-year fixed 4.8 View Rates Best Mortgage Options 4.6 View Rates View Rates Loan types Conventional options, FHA, VA, adjustable, jumbo, refinance Repayment terms Up to 30 years 4.6 View Rates Best for Custom Terms 4.4 View Rates View Rates Loan types Conventional options, FHA, VA, adjustable, jumbo, refinance Repayment terms Up to 30 years 4.4 View Rates Regions vs. SoFi SoFi is LendEDU’s highest-rated mortgage lender (4.8/5), notably higher than our rating for Regions. SoFi’s rates and terms are much clearer online, and loans are available across the country. Though SoFi offers fewer loan options than Regions, the online bank is known for competitive rates and other great incentives for borrowers. Regions vs. Rocket Mortgage Rocket Mortgage is known for its lightning-fast application process and large range of mortgage loans. Rocket has greater availability than Regions and offers an attractive product for income-eligible homebuyers: ONE+, which lets you put 1% down (and Rocket pays the other 2% to get you to 3% down). This is overall a better option for low-income borrowers than Regions’ Affordable 97 and Affordable 100 mortgages. Regions vs. Quicken Loans Quicken Loans, powered by Rocket Mortgage, offers fully digital applications and a wider national footprint than Regions. It provides more loan options, faster approvals, and highly rated customer service, making it a strong choice for borrowers who want a streamlined, tech-forward experience. Regions may appeal to customers who prefer in-person support and local banking relationships, but its loan availability is more limited and its online experience isn’t as robust. Borrowers who value speed, convenience, and broader loan choices might find Quicken Loans to be the better fit. Regions mortgage review: Flexible options but no transparency Regions Bank offers a wide range of mortgage options, including specialized loans for doctors, high-net-worth borrowers, and lower-income borrowers who don’t have money for a down payment. However, Regions is plagued by bad online customer reviews and is guarded with publicly available information. With no easy consumer access to rates, fees, and other loan details, it’s difficult to weigh Regions against other mortgage options. How we rated Regions We designed LendEDU’s editorial rating system to help readers find companies that offer the best mortgages. Our system awards higher ratings to companies with affordable solutions, positive customer reviews, and online transparency of benefits and terms. We compared Regions Bank to several mortgage lenders, using hundreds of data points from company websites, public disclosures, customer reviews, and direct communication with company representatives. We weighted, scored, and combined each factor to produce a final editorial rating. This rating is expressed on a scale from 1 to 5, with 5 being the highest possible score. Our take is represented in our rating, recapped below. Company Products Rating (0-5) 3.1 View Rates Purchase Mortgage, Mortgage Refinance 3.1 View Rates Article sources At LendEDU, our writers and editors rely on primary sources, such as government data and websites, industry reports and whitepapers, and interviews with experts and company representatives. We also reference reputable company websites and research from established publishers. This approach allows us to produce content that is accurate, unbiased, and supported by reliable evidence. Read more about our editorial standards. Regions Bank, About Regions Regions Bank, Company Profile Regions Bank, Home Mortgage Loans & Refinancing About our contributors Written by Timothy Moore, CFEI® Timothy Moore is a Certified Financial Education Instructor (CFEI®) specializing in bank accounts, student loans, taxes, and insurance. His passion is helping readers navigate life on a tight budget. Edited by Kristen Barrett, MAT Kristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their three senior rescue dogs. She has edited and written personal finance content since 2015.