Renasant Bank Mortgage Rates, Fees & Info

Tupelo, MS

LEI: 5493002RF1ERFA2XR050

Tax ID: 64-0220550

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Renasant Bank is a small bank specializing in Home Purchase loans. Renasant Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Nashville, Birmingham, Memphis, and Jackson among others. We have data for 218 markets. (Some data included below & more in-depth data is available with an active subscription.)

Renasant Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Renasant Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.27%	11/17/24
30 Year Conventional Purchase	6.57%	11/17/24
30 Year Conventional Refi	6.57%	11/17/24
30 Year Cash-out Refi	6.80%	11/17/24
30 Year FHA Purchase	7.37%	11/17/24
30 Year FHA Refi	7.22%	11/17/24
30 Year VA Purchase	6.29%	11/17/24
30 Year VA Refi	6.27%	11/17/24
30 Year USDA Purchase	6.79%	11/17/24
30 Year USDA Refi	6.46%	11/17/24
15 Year Conventional Purchase	6.30%	11/17/24
15 Year Conventional Refi	6.21%	11/17/24
15 Year Cash-out Refi	6.21%	11/17/24
15 Year FHA Purchase	8.48%	11/17/24
15 Year FHA Refi	5.68%	11/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Renasant Bank Mortgage Calculator

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This is not an official calculator from Renasant Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

13,336

Origination Dollar Volume (All Markets)

$2,451,380,000

Employee count

2,359

Awards

Renasant Bank 30 Year Conventional Loans bronze

Renasant Bank 30 Year Conventional Loans silver

Renasant Bank 30 Year Conventional Loans gold

Show all (70) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1,332	$316,090,000	$237,305	$4,572	4.89%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1,079	$252,275,000	$233,804	$3,548	4.94%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	972	$202,220,000	$208,045	$3,687	4.73%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	730	$131,580,000	$180,247	$3,607	4.95%
JACKSON, MS (FHA\|USDA\|VA)	706	$124,040,000	$175,694	$3,431	5.06%
Outside of Metro Areas	1,176	$122,250,000	$103,954	$2,821	5.08%
Tupelo, MS (FHA\|USDA\|VA)	721	$78,575,000	$108,981	$2,366	5.09%
AUBURN-OPELIKA, AL (FHA\|USDA\|VA)	340	$74,720,000	$219,765	$3,554	4.73%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	206	$70,960,000	$344,466	$4,403	4.77%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	386	$70,040,000	$181,451	$4,026	4.70%
Oxford, MS (FHA\|USDA\|VA)	256	$55,400,000	$216,406	$3,918	4.91%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	173	$53,155,000	$307,254	$3,810	4.88%
DOTHAN, AL (FHA\|USDA\|VA)	234	$42,920,000	$183,419	$3,627	4.62%
MONTGOMERY, AL (FHA\|USDA\|VA)	209	$40,235,000	$192,512	$3,745	4.71%
JACKSONVILLE, FL (FHA\|USDA\|VA)	159	$35,685,000	$224,434	$4,327	4.86%
DECATUR, AL (FHA\|USDA\|VA)	226	$30,710,000	$135,885	$3,448	4.96%
MOBILE, AL (FHA\|USDA\|VA)	163	$30,455,000	$186,840	$3,138	4.71%
HUNTSVILLE, AL (FHA\|USDA\|VA)	150	$28,460,000	$189,733	$3,492	4.91%
TUSCALOOSA, AL (FHA\|USDA\|VA)	149	$27,885,000	$187,148	$3,635	4.80%
LYNCHBURG, VA (FHA\|USDA\|VA)	139	$26,665,000	$191,835	$3,815	4.60%
Starkville, MS (FHA\|USDA\|VA)	151	$25,365,000	$167,980	$3,487	4.96%
PANAMA CITY, FL (FHA\|USDA\|VA)	118	$23,330,000	$197,712	$3,200	4.99%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	81	$20,705,000	$255,617	$3,824	4.70%
MACON-BIBB COUNTY, GA (FHA\|USDA\|VA)	116	$20,560,000	$177,241	$3,610	5.03%
VALDOSTA, GA (FHA\|USDA\|VA)	117	$18,275,000	$156,197	$4,187	4.87%
ALBANY, GA (FHA\|USDA\|VA)	185	$17,965,000	$97,108	$3,231	5.19%
GADSDEN, AL (FHA\|USDA\|VA)	127	$17,475,000	$137,598	$3,905	4.65%
Albertville, AL (FHA\|USDA\|VA)	116	$17,390,000	$149,914	$3,959	4.56%
KNOXVILLE, TN (FHA\|USDA\|VA)	96	$17,310,000	$180,313	$3,401	4.97%
Columbus, MS (FHA\|USDA\|VA)	124	$16,170,000	$130,403	$3,814	4.96%
ROANOKE, VA (FHA\|USDA\|VA)	81	$16,075,000	$198,457	$5,431	4.62%
FLORENCE-MUSCLE SHOALS, AL (FHA\|USDA\|VA)	93	$15,335,000	$164,892	$3,183	4.57%
Enterprise, AL (FHA\|USDA\|VA)	80	$13,900,000	$173,750	$3,741	4.61%
Corinth, MS (FHA\|USDA\|VA)	139	$13,445,000	$96,727	$2,078	5.17%
ANNISTON-OXFORD, AL (FHA\|USDA\|VA)	75	$12,145,000	$161,933	$4,387	4.61%
Cullman, AL (FHA\|USDA\|VA)	61	$11,955,000	$195,984	$4,384	4.67%
SAVANNAH, GA (FHA\|USDA\|VA)	78	$11,710,000	$150,128	$4,389	5.10%
Grenada, MS (FHA\|USDA\|VA)	136	$11,380,000	$83,676	$1,732	5.46%
OCALA, FL (FHA\|USDA\|VA)	84	$11,320,000	$134,762	$3,658	4.74%
Statesboro, GA (FHA\|USDA\|VA)	65	$11,315,000	$174,077	$3,077	5.20%
WILMINGTON, NC (FHA\|USDA\|VA)	38	$11,180,000	$294,211	$3,646	4.65%
Scottsboro, AL (FHA\|USDA\|VA)	64	$10,700,000	$167,188	$4,186	4.49%
Troy, AL (FHA\|USDA\|VA)	64	$10,660,000	$166,563	$4,676	4.40%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	47	$10,405,000	$221,383	$3,841	4.65%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	61	$9,955,000	$163,197	$3,232	4.60%
LaGrange, GA-AL (FHA\|USDA\|VA)	76	$9,450,000	$124,342	$3,273	4.86%
Alexander City, AL (FHA\|USDA\|VA)	31	$9,275,000	$299,194	$3,638	4.73%
JOHNSON CITY, TN (FHA\|USDA\|VA)	85	$9,265,000	$109,000	$2,805	5.22%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	36	$8,630,000	$239,722	$6,687	4.60%
Fort Payne, AL (FHA\|USDA\|VA)	59	$8,555,000	$145,000	$3,919	4.58%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	46	$7,850,000	$170,652	$3,878	5.15%
Cookeville, TN (FHA\|USDA\|VA)	34	$6,230,000	$183,235	$3,345	4.76%
BRUNSWICK, GA (FHA\|USDA\|VA)	33	$6,195,000	$187,727	$5,035	4.78%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	25	$6,095,000	$243,800	$4,332	4.65%
GREENVILLE, NC (FHA\|USDA\|VA)	34	$5,830,000	$171,471	$3,224	4.65%
JACKSONVILLE, NC (FHA\|USDA\|VA)	21	$5,655,000	$269,286	$3,703	4.64%
West Point, MS (FHA\|USDA\|VA)	45	$5,265,000	$117,000	$3,176	5.24%
Ozark, AL (FHA\|USDA\|VA)	26	$5,190,000	$199,615	$3,811	4.54%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	30	$5,060,000	$168,667	$3,379	4.72%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	20	$5,010,000	$250,500	$3,648	4.68%
Talladega-Sylacauga, AL (FHA\|USDA\|VA)	33	$4,895,000	$148,333	$3,656	4.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	17	$4,705,000	$276,765	$3,575	4.96%
Brookhaven, MS (FHA\|USDA\|VA)	22	$4,430,000	$201,364	$3,214	4.62%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	20	$4,310,000	$215,500	$3,651	4.49%
Douglas, GA (FHA\|USDA\|VA)	26	$4,290,000	$165,000	$4,386	4.60%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	16	$4,210,000	$263,125	$3,716	4.72%
Eufaula, AL-GA (FHA\|USDA\|VA)	24	$3,850,000	$160,417	$4,012	4.64%
LAFAYETTE, LA (FHA\|USDA\|VA)	19	$3,645,000	$191,842	$5,289	4.59%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	11	$3,445,000	$313,182	$7,037	4.80%
Cleveland, MS (FHA\|USDA\|VA)	20	$3,130,000	$156,500	$3,648	5.09%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	13	$3,115,000	$239,615	$4,206	4.83%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	13	$3,115,000	$239,615	$4,054	4.84%
GAINESVILLE, FL (FHA\|USDA\|VA)	26	$3,020,000	$116,154	$2,583	5.19%
SPARTANBURG, SC (FHA\|USDA\|VA)	3	$2,905,000	$968,333	$2,259	4.46%
Vidalia, GA (FHA\|USDA\|VA)	19	$2,755,000	$145,000	$3,375	4.68%
Cedartown, GA (FHA\|USDA\|VA)	17	$2,715,000	$159,706	$3,833	4.90%
Greenwood, MS (FHA\|USDA\|VA)	22	$2,630,000	$119,545	$3,237	5.11%
WARNER ROBINS, GA (FHA\|USDA\|VA)	11	$2,555,000	$232,273	$3,691	4.73%
Natchitoches, LA (FHA\|USDA\|VA)	13	$2,485,000	$191,154	$4,754	4.53%
Lewisburg, TN (FHA\|USDA\|VA)	12	$2,430,000	$202,500	$4,296	4.80%
Bozeman, MT (FHA\|USDA\|VA)	8	$2,290,000	$286,250	$5,787	4.84%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	8	$2,160,000	$270,000	$4,473	4.83%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	7	$2,105,000	$300,714	$5,000	4.93%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	11	$2,035,000	$185,000	$4,496	4.60%
Cornelia, GA (FHA\|USDA\|VA)	4	$2,020,000	$505,000	$6,910	4.66%
GOLDSBORO, NC (FHA\|USDA\|VA)	10	$1,980,000	$198,000	$3,696	4.16%
GAINESVILLE, GA (FHA\|USDA\|VA)	8	$1,910,000	$238,750	$4,642	4.66%
Fitzgerald, GA (FHA\|USDA\|VA)	13	$1,755,000	$135,000	$3,522	4.88%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	5	$1,755,000	$351,000	$3,316	4.70%
Elizabeth City, NC (FHA\|USDA\|VA)	9	$1,735,000	$192,778	$4,646	4.67%
Calhoun, GA (FHA\|USDA\|VA)	12	$1,540,000	$128,333	$4,197	4.74%
Jasper, AL (FHA\|USDA\|VA)	12	$1,530,000	$127,500	$4,224	4.61%
Mount Airy, NC (FHA\|USDA\|VA)	10	$1,510,000	$151,000	$3,736	4.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	6	$1,510,000	$251,667	$4,932	5.05%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	8	$1,490,000	$186,250	$4,888	4.59%
Morehead City, NC (FHA\|USDA\|VA)	5	$1,335,000	$267,000	$2,832	4.68%
HATTIESBURG, MS (FHA\|USDA\|VA)	7	$1,335,000	$190,714	$2,825	4.79%
Lawrenceburg, TN (FHA\|USDA\|VA)	9	$1,315,000	$146,111	$4,542	4.69%
JACKSON, TN (FHA\|USDA\|VA)	14	$1,300,000	$92,857	$2,719	5.24%
Bainbridge, GA (FHA\|USDA\|VA)	8	$1,150,000	$143,750	$4,363	4.58%
BATON ROUGE, LA (FHA\|USDA\|VA)	5	$1,125,000	$225,000	$4,084	4.48%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	5	$1,105,000	$221,000	$4,473	4.50%
Danville, VA (FHA\|USDA\|VA)	7	$1,095,000	$156,429	$3,330	4.39%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	6	$1,080,000	$180,000	$5,572	4.81%
ASHEVILLE, NC (FHA\|USDA\|VA)	5	$1,045,000	$209,000	$3,346	5.05%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	4	$1,000,000	$250,000	$4,362	4.78%
Meridian, MS (FHA\|USDA\|VA)	5	$995,000	$199,000	$3,173	4.88%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	3	$985,000	$328,333	$5,411	4.54%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	4	$970,000	$242,500	$5,857	4.47%
Dublin, GA (FHA\|USDA\|VA)	6	$930,000	$155,000	$3,533	4.73%
Kill Devil Hills, NC (FHA\|USDA\|VA)	3	$885,000	$295,000	$2,873	4.58%
CLEVELAND, TN (FHA\|USDA\|VA)	5	$875,000	$175,000	$3,457	4.88%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	5	$875,000	$175,000	$4,246	4.68%
Helena-West Helena, AR (FHA\|USDA\|VA)	10	$870,000	$87,000	$3,140	4.48%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	5	$865,000	$173,000	$2,032	4.10%
NEW BERN, NC (FHA\|USDA\|VA)	4	$860,000	$215,000	$3,486	4.41%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	5	$835,000	$167,000	$2,923	4.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	5	$835,000	$167,000	$4,658	4.90%
Greeneville, TN (FHA\|USDA\|VA)	5	$785,000	$157,000	$3,338	5.14%
Paris, TN (FHA\|USDA\|VA)	3	$775,000	$258,333	$2,982	4.63%
Thomasville, GA (FHA\|USDA\|VA)	4	$770,000	$192,500	$5,264	4.22%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	3	$735,000	$245,000	$6,399	4.46%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	3	$735,000	$245,000	$4,002	4.63%
ROME, GA (FHA\|USDA\|VA)	8	$720,000	$90,000	$3,515	5.08%
Greenville, MS (FHA\|USDA\|VA)	6	$720,000	$120,000	$2,683	5.00%
Bluefield, WV-VA (FHA\|USDA\|VA)	5	$715,000	$143,000	$5,661	4.20%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	3	$705,000	$235,000	$5,176	4.92%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	2	$700,000	$350,000	$3,481	5.13%
Indianola, MS (FHA\|USDA\|VA)	4	$690,000	$172,500	$1,100	5.16%
TALLAHASSEE, FL (FHA\|USDA\|VA)	4	$690,000	$172,500	$4,609	4.81%
Vicksburg, MS (FHA\|USDA\|VA)	5	$655,000	$131,000	$3,145	4.78%
Washington, NC (FHA\|USDA\|VA)	3	$645,000	$215,000	$3,467	4.54%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	2	$630,000	$315,000	$2,528	4.56%
Moultrie, GA (FHA\|USDA\|VA)	5	$625,000	$125,000	$2,611	5.08%
Key West, FL (FHA\|USDA\|VA)	1	$615,000	$615,000	$3,925	4.75%
Tifton, GA (FHA\|USDA\|VA)	3	$615,000	$205,000	$5,296	4.83%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	2	$610,000	$305,000	$3,004	4.06%
HINESVILLE, GA (FHA\|USDA\|VA)	5	$595,000	$119,000	$4,922	5.03%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	2	$590,000	$295,000	$4,747	4.63%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	2	$590,000	$295,000	$2,422	3.94%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	3	$585,000	$195,000	$2,476	4.29%
Sevierville, TN (FHA\|USDA\|VA)	3	$575,000	$191,667	$3,351	4.58%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	1	$575,000	$575,000	$3,007	4.50%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	3	$555,000	$185,000	$1,951	5.00%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	2	$550,000	$275,000	$2,457	4.38%
RICHMOND, VA (FHA\|USDA\|VA)	2	$530,000	$265,000	$4,867	4.81%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	4	$520,000	$130,000	$3,178	4.50%
LOUISVILLE, KY (FHA\|USDA\|VA)	2	$500,000	$250,000	$3,033	4.69%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	2	$500,000	$250,000	$4,913	4.94%
Lake City, FL (FHA\|USDA\|VA)	4	$490,000	$122,500	$1,685	4.78%
MORRISTOWN, TN (FHA\|USDA\|VA)	4	$490,000	$122,500	$0	5.22%
HARRISONBURG, VA (FHA\|USDA\|VA)	2	$490,000	$245,000	$4,230	4.94%
Kinston, NC (FHA\|USDA\|VA)	2	$460,000	$230,000	$4,130	4.63%
Americus, GA (FHA\|USDA\|VA)	3	$455,000	$151,667	$4,897	4.96%
Georgetown, SC (FHA\|USDA\|VA)	1	$455,000	$455,000	$3,643	5.00%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	2	$450,000	$225,000	$2,644	4.31%
DALTON, GA (FHA\|USDA\|VA)	4	$440,000	$110,000	$4,090	4.97%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	2	$440,000	$220,000	$4,363	3.94%
El Dorado, AR (FHA\|USDA\|VA)	3	$435,000	$145,000	$4,725	4.42%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	2	$410,000	$205,000	$3,378	4.44%
Cordele, GA (FHA\|USDA\|VA)	1	$405,000	$405,000	$2,615	4.75%
New Philadelphia-Dover, OH (FHA\|USDA\|VA)	1	$405,000	$405,000	$2,394	4.63%
Athens, TN (FHA\|USDA\|VA)	2	$400,000	$200,000	$6,062	5.06%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$375,000	$375,000	$5,337	4.63%
Shelby, NC (FHA\|USDA\|VA)	1	$365,000	$365,000	$3,896	4.75%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	2	$350,000	$175,000	$3,110	4.19%
SPRINGFIELD, MO (FHA\|USDA\|VA)	1	$335,000	$335,000	$2,604	4.25%
MUSKEGON, MI (FHA\|USDA\|VA)	1	$325,000	$325,000	$2,895	3.88%
Shelbyville, TN (FHA\|USDA\|VA)	2	$300,000	$150,000	$2,416	4.69%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$295,000	$295,000	$1,943	4.25%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	2	$290,000	$145,000	$3,878	4.50%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	2	$290,000	$145,000	$3,161	4.50%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	2	$290,000	$145,000	$1,961	5.06%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	1	$285,000	$285,000	$4,086	4.50%
Wilson, NC (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,086	4.88%
Sanford, NC (FHA\|USDA\|VA)	1	$275,000	$275,000	$10,226	4.25%
TUCSON, AZ (FHA\|USDA\|VA)	1	$265,000	$265,000	$6,619	4.75%
COLUMBIA, SC (FHA\|USDA\|VA)	2	$260,000	$130,000	$3,365	5.19%
Paducah, KY-IL (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,345	4.00%
ROCKY MOUNT, NC (FHA\|USDA\|VA)	2	$250,000	$125,000	$3,218	4.56%
THE VILLAGES, FL (FHA\|USDA\|VA)	2	$250,000	$125,000	$3,111	4.44%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	2	$250,000	$125,000	$2,245	4.94%
Union City, TN (FHA\|USDA\|VA)	2	$250,000	$125,000	$3,070	4.88%
SUMTER, SC (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,149	4.63%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,928	4.38%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	2	$240,000	$120,000	$2,350	5.19%
Opelousas, LA (FHA\|USDA\|VA)	2	$240,000	$120,000	$3,316	4.56%
Carlsbad-Artesia, NM (FHA\|USDA\|VA)	1	$235,000	$235,000	$3,316	5.13%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA\|USDA\|VA)	2	$230,000	$115,000	$3,188	3.88%
LAKE CHARLES, LA (FHA\|USDA\|VA)	2	$220,000	$110,000	$1,933	4.75%
Somerset, KY (FHA\|USDA\|VA)	1	$215,000	$215,000	$5,843	4.00%
Milledgeville, GA (FHA\|USDA\|VA)	2	$210,000	$105,000	$3,852	4.63%
McComb, MS (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,770	5.25%
Summerville, GA (FHA\|USDA\|VA)	1	$205,000	$205,000	$5,521	4.38%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,714	4.50%
Chillicothe, OH (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,083	4.38%
Brevard, NC (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,463	4.63%
Harrison, AR (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,111	5.88%
BURLINGTON, NC (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,540	4.88%
TULSA, OK (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,158	3.88%
Outside of Metro Areas	1	$175,000	$175,000	$3,077	4.75%
Fort Polk South, LA (FHA\|USDA\|VA)	1	$175,000	$175,000	$6,040	4.25%
Columbus, NE (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,207	4.50%
STAUNTON, VA (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,107	5.25%
Brownsville, TN (FHA\|USDA\|VA)	3	$165,000	$55,000	$1,762	4.50%
Boone, NC (FHA\|USDA\|VA)	1	$165,000	$165,000	$5,660	4.88%
Crossville, TN (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,474	3.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,789	4.75%
St. Marys, GA (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,697	5.25%
Clarksdale, MS (FHA\|USDA\|VA)	2	$120,000	$60,000	$0	5.25%
Laurinburg, NC (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,577	4.75%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	2	$110,000	$55,000	$2,529	4.75%
Lumberton, NC (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,184	4.00%
Laurel, MS (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,725	3.63%
Seneca, SC (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,515	3.75%
JONESBORO, AR (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,290	4.75%
MONROE, LA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	3.88%
Thomaston, GA (FHA\|USDA\|VA)	1	$55,000	$55,000	$440	5.13%

Renasant Bank's top markets include Atlanta, Nashville, Birmingham, Memphis, and Jackson among others.

Their top states include:

Alabama (FHA|USDA|VA)

Georgia (FHA|USDA|VA)

Tennessee (FHA|USDA|VA)

Mississippi (FHA|USDA|VA)

Florida (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	8,572	$1,800,850,000	$210,085	$3,236	4.85%
HELOC	2,426	$253,480,000	$104,485	n/a	5.32%
FHA	1,148	$188,370,000	$164,085	$5,612	4.60%
USDA	606	$78,320,000	$129,241	$4,353	4.49%
VA	584	$130,360,000	$223,219	$4,690	4.51%

For 2018, Renasant Bank's most frequently originated type of loan was Conventional, with 8,572 originations. Their 2nd most popular type was HELOC, with 2,426 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	8,155	$1,684,335,000	$206,540	$3,850	4.73%
Refi	2,343	$391,775,000	$167,211	$2,855	5.12%
Cash Out Refi	1,398	$250,960,000	$179,514	$3,554	4.93%
Other	987	$84,215,000	$85,324	$838	5.30%
Home Improvement	453	$40,095,000	$88,510	$1,367	5.37%

For 2018, Renasant Bank's most frequently cited loan purpose was Home Purchase, with 8,155 originations. The 2nd most popular reason was Refi, with 2,343 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	8,344	$1,802,410,000	$216,013	$3,867	4.71%
10 Year	2,316	$224,650,000	$96,999	$1,470	5.27%
15 Year	908	$144,570,000	$159,218	$2,585	4.51%
5 Year	639	$80,365,000	$125,767	$505	5.76%
Other	592	$78,500,000	$132,601	$1,414	5.37%
20 Year	289	$50,985,000	$176,419	$2,829	4.66%
1 Year	140	$25,590,000	$182,786	$1,629	5.66%
30+ year	77	$39,495,000	$512,922	$9,375	4.98%
3 Year	31	$4,815,000	$155,323	$73	5.84%

For 2018, Renasant Bank's most frequently cited loan duration was 30 Year, with 8,344 originations. The 2nd most popular length was 10 Year, with 2,316 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	5,969	$1,250,325,000	$209,470
$1k-2k	2,017	$342,435,000	$169,774
$2k-3k	902	$180,030,000	$199,590
$3k-4k	329	$85,345,000	$259,407
$5k+	214	$106,900,000	$499,533
$4k-5k	147	$45,745,000	$311,190

Renasant Bank's average total fees were $3,867, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,969 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	8,543	$1,729,635,000	$202,462
5-6%	3,462	$514,900,000	$148,729
3-4%	821	$177,005,000	$215,597
6-7%	299	$22,375,000	$74,833
7-8%	107	$5,525,000	$51,636
Over 8%	58	$1,380,000	$23,793
<2.5%	2	$20,000	$10,000

During 2018, Renasant Bank's average interest rate for loans was 4.71%, while their most frequently originated rate bucket for loans was 4-5%, with 8,543 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	4,864	$715,360,000	$147,072	$3,490	4.76%
$100,000 or less	3,977	$220,675,000	$55,488	$2,272	5.22%
$200k-400k	3,531	$961,595,000	$272,329	$4,250	4.71%
$400k-600k	729	$332,305,000	$455,837	$4,675	4.70%
$600k-1MM	174	$130,160,000	$748,046	$5,884	4.75%
$1MM+	61	$91,285,000	$1,496,475	$10,866	4.86%

2018 saw Renasant Bank place emphasis on $100k-200k loans with 4,864 originations, totaling $715,360,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	2,973	$305,365,000	$102,713	$3,063	4.86%
$50k-75k	2,941	$444,885,000	$151,270	$3,687	4.80%
$100k-150k	2,316	$480,790,000	$207,595	$3,882	4.90%
$75k-100k	1,885	$329,985,000	$175,058	$3,901	4.86%
$150k-250k	1,483	$359,185,000	$242,202	$4,148	4.93%
$250k+	1,162	$414,140,000	$356,403	$4,558	4.89%

Renasant Bank lent most frequently to those with incomes in the $50k or less range, with 2,973 originations. The second most popular income band? $50k-75k, with 2,941 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	2,976	$536,090,000	$180,138	$3,527	4.81%
30-36%	2,369	$431,695,000	$182,227	$3,667	4.79%
<20%	1,583	$275,505,000	$174,040	$3,246	4.92%
39%	740	$134,910,000	$182,311	$3,489	4.86%
38%	519	$100,625,000	$193,882	$3,733	4.81%
37%	494	$91,540,000	$185,304	$3,470	4.78%
36%	476	$87,660,000	$184,160	$3,544	4.85%
50-60%	383	$71,825,000	$187,533	$5,050	4.69%
40%	323	$64,465,000	$199,582	$3,987	4.81%
43%	305	$63,145,000	$207,033	$4,078	4.76%
42%	298	$61,690,000	$207,013	$3,695	4.73%
44%	295	$65,595,000	$222,356	$4,053	4.75%
41%	285	$59,965,000	$210,404	$4,082	4.68%
45%	257	$51,985,000	$202,276	$3,883	4.73%
49%	254	$55,170,000	$217,205	$4,142	4.75%
46%	240	$50,010,000	$208,375	$4,064	4.73%
48%	223	$45,485,000	$203,969	$3,747	4.82%
47%	196	$38,940,000	$198,673	$3,878	4.73%
>60%	115	$10,145,000	$88,217	$1,031	5.15%

Renasant Bank lent most frequently to those with DTI ratios of 20-30%, with 2,976 originations. The next most common DTI ratio? 30-36%, with 2,369 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	10,214	$1,883,860,000	$184,439	$3,619	4.85%
Not provided	1,315	$246,505,000	$187,456	$4,027	4.90%
Black	1,164	$177,040,000	$152,096	$3,734	4.94%
Not applicable	408	$85,220,000	$208,873	$0	5.50%
Asian	182	$47,990,000	$263,681	$4,250	4.78%
American Indian	24	$4,630,000	$192,917	$4,028	4.69%
Asian Indian	12	$3,000,000	$250,000	$4,001	4.83%
Native Hawaiian or Islander	7	$1,245,000	$177,857	$3,302	4.63%
Other Asian	3	$485,000	$161,667	$5,155	4.67%
Chinese	2	$410,000	$205,000	$2,385	4.88%
Korean	1	$295,000	$295,000	$5,224	4.88%
Vietnamese	1	$285,000	$285,000	$9,342	4.00%
Filipino	2	$220,000	$110,000	$3,124	4.63%
Native Hawaiian	1	$195,000	$195,000	$7,003	4.63%

Approval Rates

Total approvals of all applications
94.52%

Renasant Bank has an average approval rate.

Pick Rate

Approvals leading to origination
84.70%

Renasant Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	13,336	$2,451,380,000	$183,817

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	1	$255,000	$255,000
Multifamily:Site-Built	81	$43,785,000	$540,556
Single Family (1-4 Units):Manufactured	245	$12,445,000	$50,796
Single Family (1-4 Units):Site-Built	13,009	$2,394,895,000	$184,095

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	1,216	$131,330,000	$108,002	$2,248	5.20%
40-60%	1,258	$210,730,000	$167,512	$2,824	5.04%
60-80%	3,227	$690,595,000	$214,005	$3,415	4.92%
80-100%	6,300	$1,315,570,000	$208,821	$3,878	4.69%
Over 100%	189	$44,875,000	$237,434	$7,174	4.66%
Under 20%	1,142	$58,180,000	$50,946	$890	5.38%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Renasant Bank	1100 Central Street Water Valley, MS 38965	Full Service B&M	$31,409
Renasant Bank	1111 East Jackson Avenue Oxford, MS 38655	Full Service B&M	$73,287
Renasant Bank	1114 North 2nd Street Booneville, MS 38829	Full Service B&M	$1,998
Renasant Bank	14625 Depot Street Coffeeville, MS 38922	Full Service B&M	$16,665
Renasant Bank	1505 South Harper Road Corinth, MS 38834	Full Service B&M	$81,814
Renasant Bank	100 Bates Street Batesville, MS 38606	Full Service B&M	$27,187
Renasant Bank	100 Old Canton Road And Highway 51 South Madison, MS 39110	Full Service B&M	$38,743
Renasant Bank	1012 W Beacon St Philadelphia, MS 39350	Full Service B&M	$25,365
Renasant Bank	103 East Washington Street Aberdeen, MS 39730	Full Service B&M	$45,062
Renasant Bank	104 Heritage Lane Leesburg, GA 31763	Full Service B&M	$47,739
Renasant Bank	104 West Main Street Reidsville, GA 30453	Full Service B&M	$29,465
Renasant Bank	105 Town Square Bruce, MS 38915	Full Service B&M	$25,056
Renasant Bank	105 W King Street Johnson City, TN 37604	Full Service B&M	$30,444
Renasant Bank	106 E College St Columbiana, AL 35051	Full Service B&M	$87,414
Renasant Bank	1069 Highland Colony Parkway Ridgeland, MS 39157	Full Service B&M	$0
Renasant Bank	1069 Highland Colony Parkway Ridgeland, MS 39157	Full Service B&M	$98,411
Renasant Bank	107 Inverness Cors Birmingham, AL 35242	Full Service B&M	$43,849
Renasant Bank	11655 Medlock Bridge Road Johns Creek, GA 30097	Full Service B&M	$130,689
Renasant Bank	120 8th Avenue Childersburg, AL 35044	Full Service B&M	$17,658
Renasant Bank	120 South Main Street Sardis, MS 38666	Full Service B&M	$15,493
Renasant Bank	1285 West Government Street Brandon, MS 39042	Full Service B&M	$59,154
Renasant Bank	1309 Stratford Road, Southeast Decatur, AL 35601	Full Service B&M	$33,350
Renasant Bank	1314 Sunset Drive Grenada, MS 38901	Full Service B&M	$3,380
Renasant Bank	1320 Johnson Ferry Road Marietta, GA 30068	Full Service B&M	$8,279
Renasant Bank	135 James Patyon Boulevard Sylacauga, AL 35150	Full Service B&M	$39,519
Renasant Bank	140 Long Hollow Pike Goodlettsville, TN 37072	Full Service B&M	$27,986
Renasant Bank	1409 East Silver Springs Blvd Ocala, FL 34470	Full Service B&M	$91,368
Renasant Bank	1427 Highway 145 Guntown, MS 38849	Limited, Drive-thru	$23,635
Renasant Bank	1449 Dunwoody Village Parkway Dunwoody, GA 30338	Full Service B&M	$36,001
Renasant Bank	145 Reinhardt College Parkway Canton, GA 30114	Full Service B&M	$76,361
Renasant Bank	1537 South Commerce Street Grenada, MS 38901	Full Service B&M	$63,681
Renasant Bank	1600 Highland Colony Parkway Madison, MS 39110	Full Service B&M	$55,935
Renasant Bank	164 Veterans Boulevard Tupelo, MS 38804	Limited, Drive-thru	$4,100
Renasant Bank	16404 Nw 17th Drive Alachua, FL 32615	Full Service B&M	$23,028
Renasant Bank	165 West I-65 Service Road North Mobile, AL 36608	Full Service B&M	$19,608
Renasant Bank	1661 Aaron Brenner Drive Memphis, TN 38120	Limited, Mobile/Seasonal Office	$0
Renasant Bank	1661 Aaron Brenner Drive, Suite 100 Memphis, TN 38120	Full Service B&M	$236,358
Renasant Bank	16863 Highway 280 Chelsea, AL 35043	Full Service B&M	$31,564
Renasant Bank	173 Northside Drive East Statesboro, GA 30458	Full Service B&M	$37,095
Renasant Bank	180 East Commerce Hernando, MS 38632	Full Service B&M	$42,941
Renasant Bank	1820 West End Avenue Nashville, TN 37203	Full Service B&M	$341,027
Renasant Bank	1830 Modaus Road Decatur, AL 35603	Full Service B&M	$142,945
Renasant Bank	190 Village Centre East Woodstock, GA 30188	Full Service B&M	$31,553
Renasant Bank	1901 University Avenue Oxford, MS 38655	Limited, Drive-thru	$7,976
Renasant Bank	1934 Spillway Road Brandon, MS 39047	Full Service B&M	$20,030
Renasant Bank	1943 East Glenn Avenue Auburn, AL 36830	Full Service B&M	$15,564
Renasant Bank	198 East Parker Street Baxley, GA 31513	Full Service B&M	$32,809
Renasant Bank	200 Loftus Drive Albany, GA 31705	Full Service B&M	$74,000
Renasant Bank	2001 Park Place Tower Birmingham, AL 35203	Full Service B&M	$84,144
Renasant Bank	201 North Main Street Amory, MS 38821	Full Service B&M	$51,880
Renasant Bank	201 S. Jackson Street Crystal Springs, MS 39059	Full Service B&M	$32,939
Renasant Bank	2046 Union Avenue Memphis, TN 38104	Full Service B&M	$6,002
Renasant Bank	209 Troy Street Tupelo, MS 38801	Full Service B&M	$1,088,188
Renasant Bank	210 Industrial Road South Tupelo, MS 38801	Limited, Drive-thru	$1,695
Renasant Bank	211 Lee Street, N.E. Decatur, AL 35601	Full Service B&M	$156,947
Renasant Bank	213 West Market Street Booneville, MS 38829	Full Service B&M	$114,339
Renasant Bank	216 South Broadway Street Tupelo, MS 38804	Limited, Drive-thru	$0
Renasant Bank	2177 Germantown Germantown, TN 38138	Full Service B&M	$109,319
Renasant Bank	22 East Jarman Street Hazlehurst, GA 31539	Full Service B&M	$59,479
Renasant Bank	220 Highway 12 E Kosciusko, MS 39090	Full Service B&M	$8,278
Renasant Bank	2200 Abbott Martin Road, Suite 101 Nashville, TN 37215	Full Service B&M	$81,997
Renasant Bank	221 East Washington Street Kosciusko, MS 39090	Full Service B&M	$141,460
Renasant Bank	225 Mitylene Park Drive Montgomery, AL 36117	Full Service B&M	$34,420
Renasant Bank	232 Broad Street Shannon, MS 38868	Full Service B&M	$28,602
Renasant Bank	2400 West State Street Bristol, TN 37620	Full Service B&M	$20,148
Renasant Bank	251 Highway 515 Jasper, GA 30143	Full Service B&M	$81,011
Renasant Bank	2518 University Blvd Tuscaloosa, AL 35401	Full Service B&M	$49,033
Renasant Bank	2527 Jackson Avenue West Oxford, MS 38655	Full Service B&M	$25,282
Renasant Bank	26164 West Main Street West Point, MS 39773	Full Service B&M	$66,058
Renasant Bank	275 South Main Street Alpharetta, GA 30004	Full Service B&M	$25,108
Renasant Bank	2751 West Main Street Tupelo, MS 38801	Full Service B&M	$7,748
Renasant Bank	300 East Bankhead Street New Albany, MS 38652	Full Service B&M	$52,454
Renasant Bank	3002 Mccullough Boulevard Belden, MS 38826	Limited, Drive-thru	$7,292
Renasant Bank	301 North Church Street Louisville, MS 39339	Full Service B&M	$76,877
Renasant Bank	301 West Fourth Street Adel, GA 31620	Full Service B&M	$38,705
Renasant Bank	304 South Cass Street Corinth, MS 38834	Full Service B&M	$11,857
Renasant Bank	306 East Sunflower Road Cleveland, MS 38732	Limited, Drive-thru	$0
Renasant Bank	308 East Sunflower Road Cleveland, MS 38732	Full Service B&M	$43,104
Renasant Bank	3082 West Goodman Road Horn Lake, MS 38637	Full Service B&M	$19,369
Renasant Bank	309 Highway 15 North Pontotoc, MS 38863	Full Service B&M	$131,772
Renasant Bank	310 West Oglethorpe Boulevard Albany, GA 31701	Full Service B&M	$11,444
Renasant Bank	3101 Highway 80 East Pearl, MS 39208	Full Service B&M	$21,028
Renasant Bank	3169 Holcomb Bridge Road Norcross, GA 30071	Full Service Retail	$74,271
Renasant Bank	32 E Main St Bells, TN 38006	Full Service B&M	$26,457
Renasant Bank	3216 20th Avenue Valley, AL 36854	Full Service B&M	$37,495
Renasant Bank	329 East Broadway Avenue Maryville, TN 37804	Full Service B&M	$59,644
Renasant Bank	3295 Inner Perimeter Road Valdosta, GA 31602	Full Service B&M	$56,510
Renasant Bank	3330 S Liberty St Canton, MS 39046	Full Service B&M	$83,152
Renasant Bank	335 South Main Street Statesboro, GA 30458	Full Service B&M	$99,778
Renasant Bank	3513 Pelham Parkway Pelham, AL 35124	Full Service B&M	$47,693
Renasant Bank	367 Mobile Street Saltillo, MS 38866	Full Service B&M	$33,830
Renasant Bank	3680 North Gloster Street Tupelo, MS 38801	Full Service B&M	$9,152
Renasant Bank	37 Main Street Pontotoc, MS 38863	Full Service B&M	$11,522
Renasant Bank	370 East Main Street Hendersonville, TN 37075	Full Service B&M	$40,527
Renasant Bank	381 Nw Depot St Durant, MS 39063	Full Service B&M	$26,663
Renasant Bank	400 Summit Street Winona, MS 38967	Full Service B&M	$28,517
Renasant Bank	401 Vernon Street Lagrange, GA 30240	Full Service B&M	$16,468
Renasant Bank	407 E. Jackson Boulevard Jonesborough, TN 37659	Full Service B&M	$22,754
Renasant Bank	411 Highway 80 E Clinton, MS 39056	Full Service B&M	$40,981
Renasant Bank	420 Old Mill Road Cartersville, GA 30120	Full Service B&M	$32,739
Renasant Bank	4245 Balmoral Drive Huntsville, AL 35801	Full Service B&M	$82,139
Renasant Bank	4247 Lakeland Dr Flowood, MS 39232	Full Service B&M	$44,289
Renasant Bank	4373 Newberry Road Gainesville, FL 32607	Full Service B&M	$71,708
Renasant Bank	44 Church Street Birmingham, AL 35213	Full Service B&M	$40,307
Renasant Bank	4422 Lebanon Road Hermitage, TN 37076	Full Service B&M	$44,825
Renasant Bank	4475 Towne Lake Parkway Woodstock, GA 30189	Full Service B&M	$51,233
Renasant Bank	463 West Duval Street Lake City, FL 32055	Full Service B&M	$23,990
Renasant Bank	4726 Sw College Rd Ocala, FL 34474	Full Service B&M	$12,528
Renasant Bank	494 Monroe Street Macon, GA 31201	Full Service B&M	$21
Renasant Bank	4961 Forsyth Road Macon, GA 31210	Full Service B&M	$73,702
Renasant Bank	500 Canton Road Cumming, GA 30040	Full Service B&M	$76,400
Renasant Bank	500 East Lampkin Street Starkville, MS 39759	Full Service B&M	$298,652
Renasant Bank	5033 Raymond Street Verona, MS 38879	Full Service B&M	$2,853
Renasant Bank	504 North Main Street Sylvester, GA 31791	Full Service B&M	$33,240
Renasant Bank	508 Constitution Drive Iuka, MS 38852	Full Service B&M	$27,825
Renasant Bank	510 Church Road West Southaven, MS 38671	Full Service B&M	$30,557
Renasant Bank	511 South Church Street Okolona, MS 38860	Full Service B&M	$15,747
Renasant Bank	5225 Windward Parkway Alpharetta, GA 30004	Full Service B&M	$24,449
Renasant Bank	5240 Poplar Avenue, Suite 100 Memphis, TN 38119	Full Service B&M	$139,357
Renasant Bank	5264 Poplar Avenue Memphis, TN 38119	Full Service B&M	$104,975
Renasant Bank	5395 Highway 9 Alpharetta, GA 30004	Full Service B&M	$27,264
Renasant Bank	544 Veterans Boulevard Calhoun City, MS 38916	Full Service B&M	$48,076
Renasant Bank	595 18th Avenue North Columbus, MS 39701	Full Service B&M	$75,303
Renasant Bank	600 South Columbia Avenue Rincon, GA 31326	Full Service B&M	$36,470
Renasant Bank	63471 Highway 25 North Smithville, MS 38870	Limited, Drive-thru	$0
Renasant Bank	649 North Caldwell Drive Hazlehurst, MS 39083	Full Service B&M	$25,297
Renasant Bank	6515 Sugarloaf Parkway Duluth, GA 30097	Full Service B&M	$40,391
Renasant Bank	6543 Goodman Road Olive Branch, MS 38654	Full Service B&M	$181,235
Renasant Bank	6890 Cockrum Road Olive Branch, MS 38654	Full Service B&M	$38,181
Renasant Bank	700 Brookstone Centre Parkway, Suite 100 Columbus, GA 31904	Full Service B&M	$4,388
Renasant Bank	701 Coulter Drive New Albany, MS 38652	Full Service B&M	$2,097
Renasant Bank	721 North Westover Boulevard Albany, GA 31707	Full Service B&M	$143,365
Renasant Bank	7224 Highway 21 Port Wentworth, GA 31407	Full Service B&M	$32,284
Renasant Bank	732 Lake Harbour Ridgeland, MS 39157	Full Service B&M	$48,672
Renasant Bank	7500 Airways Boulevard Southaven, MS 38671	Full Service B&M	$42,210
Renasant Bank	7600 Highway 72 West Madison, AL 35758	Full Service B&M	$24,069
Renasant Bank	7605 Sw Highway 200 Ocala, FL 34476	Full Service B&M	$28,754
Renasant Bank	796 West Poplar Avenue Collierville, TN 38017	Full Service B&M	$31,293
Renasant Bank	8 Commerce Street, Suite 100 Montgomery, AL 36104	Full Service B&M	$34,559
Renasant Bank	802 South Laurel Street Springfield, GA 31329	Full Service B&M	$94,606
Renasant Bank	806 Highway 12 W Starkville, MS 39759	Full Service B&M	$26,903
Renasant Bank	82 A&b Clark Boulevard Tupelo, MS 38804	Full Service B&M	$7,331
Renasant Bank	880 Holcomb Bridge Road Roswell, GA 30076	Full Service B&M	$26,386
Renasant Bank	880 Joe Frank Harris Parkway Cartersville, GA 30120	Full Service B&M	$65,826
Renasant Bank	90 Steve Tate Road Marble Hill, GA 30148	Full Service B&M	$24,508
Renasant Bank	9027 Ms Highway 15 Ackerman, MS 39735	Full Service B&M	$51,055
Renasant Bank	905 Main Street Columbus, MS 39701	Full Service B&M	$10,625
Renasant Bank	913 U.S. Highway 278 East Amory, MS 38821	Limited, Drive-thru	$66,666
Renasant Bank	9135 Carothers Parkway Franklin, TN 37067	Full Service B&M	$65,272
Renasant Bank	951 South Gloster Street Tupelo, MS 38801	Limited, Drive-thru	$4,402
Renasant Bank	966 Hwy 51 S Madison, MS 39110	Limited, Administrative	$0
Renasant Bank	9925 Haynes Bridge Road Johns Creek, GA 30022	Full Service B&M	$70,019

For 2018, Renasant Bank had 152 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$461,736
Net interest income	$408,201
Total noninterest income	$141,979
Gross Fiduciary activities income	$5,042
Service charges on deposit accounts	$33,686
Trading account gains and fees	$0
Additional Noninterest Income	$103,251
Pre-tax net operating income	$202,266
Securities gains (or losses, -)	$-16
Income before extraordinary items	$157,000
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$157,000
Minority interest net income	$0
Net income	$157,000
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$157,012

Renasant Bank's gross interest income from loans was $461,736,000.
Renasant Bank's net interest income from loans was $408,201,000.
Renasant Bank's fee based income from loans was $33,686,000.
Renasant Bank's net income from loans was $157,000,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$53,535
Provision for credit losses	$6,810
Total noninterest expense	$341,104
Salaries and employee benefits	$214,294
Premises and equipment expense	$38,660
Additional noninterest expense	$88,150
Applicable income taxes	$45,250
Net charge-offs	$3,995
Cash dividends	$53,379

Renasant Bank's interest expense for loans was $53,535,000.
Renasant Bank's payroll and benefits expense were $214,294,000.
Renasant Bank's property, plant and equipment expenses $38,660,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$10,169,401
Deposits held in domestic offices	$10,169,401
Deposits by Individuals, partnerships, and corporations	$8,812,663
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$1,350,105
Deposits by Commercial banks and other depository institutions in U.S.	$6,633
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$2,235,504
Demand deposits	$2,102,622
Nontransaction accounts	$7,933,897
Money market deposit accounts (MMDAs)	$4,943,376
Other savings deposits (excluding MMDAs)	$624,686
Total time deposits	$2,365,835
Total time and savings deposits	$8,066,779
Noninterest-bearing deposits	$2,356,498
Interest-bearing deposits	$7,812,903
Retail deposits	$9,512,306
IRAs and Keogh plan accounts	$294,740
Brokered deposits	$138,692
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$12,915,178
Cash & Balances due from depository institutions	$565,375
Interest-bearing balances	$366,860
Total securities	$1,249,115
Federal funds sold & reverse repurchase	$0
Net loans and leases	$9,444,890
Loan and leases loss allowance	$49,026
Trading account assets	$0
Bank premises and fixed assets	$209,168
Other real estate owned	$11,040
Goodwill and other intangibles	$1,028,359
All other assets	$407,231

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$12,915,178
Total Liabilities	$10,678,246
Total deposits	$10,169,401
Interest-bearing deposits	$7,812,903
Deposits held in domestic offices	$10,169,401
% insured (estimated)	$76
Federal funds purchased and repurchase agreements	$7,706
Trading liabilities	$0
Other borrowed funds	$386,743
Subordinated debt	$0
All other liabilities	$114,396

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$9,444,890
Loan and leases loss allowance	$49,026
Total loans and leases (domestic)	$9,493,916
All real estate loans	$7,807,368
Real estate loans in domestic offices	$7,807,368
Construction and development loans	$1,062,777
Residential 1-4 family construction	$269,548
Other construction, all land development and other land	$793,229
Loans secured by nonfarm nonresidential properties	$3,530,260
Nonfarm nonresidential secured by owner-occupied properties	$1,505,011
Commercial real estate & other non-farm, non-residential	$2,025,249
Multifamily residential real estate	$247,609
1-4 family residential loans	$2,871,471
Farmland loans	$95,251
Loans held in foreign offices	$0
Farm loans	$12,687
Commercial and industrial loans	$1,269,386
To non-U.S. addressees	$0
Loans to individuals	$328,771
Credit card loans	$0
Related Plans	$13,221
Consumer Auto Loans	$39,050
Other loans to individuals	$276,500
All other loans & leases	$75,704
Loans to foreign governments and official institutions	$0
Other loans	$3,626
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$12,820
Non 1-4 family restructured loans & leases	$4,368
Total loans and leases (foreign)	$0

Renasant Bank had $9,444,890,000 of loans outstanding in 2018. $7,807,368,000 of loans were in real estate loans. $1,062,777,000 of loans were in development loans. $247,609,000 of loans were in multifamily mortgage loans. $2,871,471,000 of loans were in 1-4 family mortgage loans. $12,687,000 of loans were in farm loans. $0 of loans were in credit card loans. $39,050,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	5,003	$973,063	$194,496
Nonfarm, nonresidential loans - <$100k	1,092	$37,851	$34,662
Nonfarm, nonresidential loans - $100-250k	1,646	$181,056	$109,998
Nonfarm, nonresidential loans - $250k-1MM	2,265	$754,156	$332,961
Commercial & Industrial, US addressed loans - <$1MM	10,247	$525,743	$51,307
Commercial & Industrial, US addressed loans - <$100k	6,474	$104,877	$16,200
Commercial & Industrial, US addressed loans - $100-250k	2,002	$127,167	$63,520
Commercial & Industrial, US addressed loans - $250k-1MM	1,771	$293,699	$165,838
Farmland loans - <$1MM	422	$32,576	$77,194
Farmland loans - <$100k	199	$5,637	$28,327
Farmland loans - $100-250k	168	$17,595	$104,732
Farmland loans - $250k-1MM	55	$9,344	$169,891
Agriculture operations loans - <$1MM	221	$7,981	$36,113
Agriculture operations loans - <$100k	160	$2,523	$15,769
Agriculture operations loans - $100-250k	48	$3,025	$63,021
Agriculture operations loans - $250k-1MM	13	$2,433	$187,154