RF · 8-K · 20260807PR000057

Mortgage Market Positioning

REGIONS FINANCIAL CORP · 2026-08-07 · Importance 34 · Surprise 42

Regions’ mortgage production exceeded the market’s purchase-production mix, with purchase loans representing 73% of its second-quarter 2026 production versus 63% for the industry. The mortgage servicing portfolio totaled $83 billion at the end of the quarter, and Regions acquired $0.9 billion of mortgage servicing rights year to date through flow purchases. The company is investing in omnichannel capabilities and described its partnership with the retail bank as a competitive advantage. Servicing provides a recurring fee stream intended to offset production declines during elevated-rate cycles.

Key facts

• Launched ARC which analyzes +100 million mortgage repricing scenarios to generate customer solutions in under 5 minutes source
• Mortgage production increased 16% YTD source
• Home equity production up 9% YTD source
• Pull through for home equity improved by 500 bps source
• In 2025 Fannie Mae recognized Regions Mortgage for excellence in loan servicing for the eighth consecutive year source
• Regions Bank recognized as a Fannie Mae STARTM performer for the 9th consecutive year source