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

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    • Review & Overview

    Renasant Bank is a mid-sized 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 Crestview among others. We have data for 262 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Renasant Bank has an 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 an average 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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    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

    11,515

    Origination Dollar Volume (All Markets)

    $3,033,025,000
    Show all (55) 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) 1,231 $404,595,000 $328,672 $6,594 4.79%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 784 $256,920,000 $327,704 $5,878 4.58%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 823 $254,555,000 $309,301 $4,994 4.76%
    Outside of Metro Areas 1,101 $188,425,000 $171,140 $4,807 4.82%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 467 $112,135,000 $240,118 $5,480 4.70%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 200 $104,340,000 $521,700 $9,513 4.19%
    JACKSON, MS (FHA|USDA|VA) 422 $90,130,000 $213,578 $5,069 4.79%
    Tupelo, MS (FHA|USDA|VA) 502 $83,990,000 $167,311 $3,974 5.02%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 218 $62,560,000 $286,972 $5,066 4.92%
    MONTGOMERY, AL (FHA|USDA|VA) 232 $57,670,000 $248,578 $5,153 4.92%
    Oxford, MS (FHA|USDA|VA) 167 $46,025,000 $275,599 $5,194 4.65%
    TUSCALOOSA, AL (FHA|USDA|VA) 212 $44,640,000 $210,566 $5,709 4.94%
    KNOXVILLE, TN (FHA|USDA|VA) 142 $44,020,000 $310,000 $6,777 4.87%
    JACKSONVILLE, FL (FHA|USDA|VA) 141 $40,285,000 $285,709 $6,294 4.84%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 82 $38,740,000 $472,439 $5,599 4.58%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 130 $38,170,000 $293,615 $5,434 4.48%
    LYNCHBURG, VA (FHA|USDA|VA) 149 $37,565,000 $252,114 $4,813 4.51%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 69 $35,225,000 $510,507 $4,583 4.70%
    MOBILE, AL (FHA|USDA|VA) 159 $34,625,000 $217,767 $4,700 4.80%
    PANAMA CITY, FL (FHA|USDA|VA) 104 $33,640,000 $323,462 $7,821 4.14%
    HUNTSVILLE, AL (FHA|USDA|VA) 105 $32,805,000 $312,429 $5,194 5.09%
    SAVANNAH, GA (FHA|USDA|VA) 123 $30,055,000 $244,350 $7,129 4.85%
    Starkville, MS (FHA|USDA|VA) 149 $29,215,000 $196,074 $4,930 4.76%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 103 $27,465,000 $266,650 $8,413 4.52%
    ROANOKE, VA (FHA|USDA|VA) 99 $26,325,000 $265,909 $5,036 4.43%
    VALDOSTA, GA (FHA|USDA|VA) 116 $25,530,000 $220,086 $6,228 4.58%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 94 $25,250,000 $268,617 $5,335 4.57%
    COLUMBIA, SC (FHA|USDA|VA) 98 $23,100,000 $235,714 $7,083 4.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 69 $22,025,000 $319,203 $6,647 4.90%
    DECATUR, AL (FHA|USDA|VA) 111 $20,975,000 $188,964 $4,431 4.90%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 58 $20,200,000 $348,276 $5,938 4.79%
    DOTHAN, AL (FHA|USDA|VA) 93 $19,925,000 $214,247 $5,157 4.61%
    Statesboro, GA (FHA|USDA|VA) 80 $19,450,000 $243,125 $6,271 4.81%
    GADSDEN, AL (FHA|USDA|VA) 95 $18,505,000 $194,789 $4,352 4.82%
    COLUMBUS, GA-AL (FHA|USDA|VA) 77 $18,245,000 $236,948 $5,390 4.90%
    SPARTANBURG, SC (FHA|USDA|VA) 71 $18,195,000 $256,268 $10,054 4.66%
    ALBANY, GA (FHA|USDA|VA) 140 $17,740,000 $126,714 $4,353 5.11%
    GAINESVILLE, FL (FHA|USDA|VA) 32 $17,170,000 $536,563 $5,181 4.77%
    Columbus, MS (FHA|USDA|VA) 85 $16,685,000 $196,294 $5,544 4.80%
    Douglas, GA (FHA|USDA|VA) 77 $16,415,000 $213,182 $6,063 4.91%
    WARNER ROBINS, GA (FHA|USDA|VA) 51 $15,135,000 $296,765 $6,126 4.62%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 33 $14,975,000 $453,788 $6,542 4.71%
    McMinnville, TN (FHA|USDA|VA) 76 $14,830,000 $195,132 $5,634 4.90%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 69 $14,485,000 $209,928 $5,021 4.63%
    Albertville, AL (FHA|USDA|VA) 57 $13,485,000 $236,579 $5,869 4.85%
    Bozeman, MT (FHA|USDA|VA) 27 $13,425,000 $497,222 $9,036 4.51%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 36 $12,900,000 $358,333 $5,429 4.43%
    Enterprise, AL (FHA|USDA|VA) 44 $12,160,000 $276,364 $6,582 4.28%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 37 $12,045,000 $325,541 $7,043 4.24%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 45 $10,785,000 $239,667 $3,913 4.29%
    JOHNSON CITY, TN (FHA|USDA|VA) 45 $10,185,000 $226,333 $5,636 4.84%
    Grenada, MS (FHA|USDA|VA) 86 $9,690,000 $112,674 $3,026 5.09%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 40 $9,650,000 $241,250 $5,030 4.86%
    DALTON, GA (FHA|USDA|VA) 35 $9,485,000 $271,000 $6,691 4.94%
    LaGrange, GA-AL (FHA|USDA|VA) 53 $9,175,000 $173,113 $5,669 4.88%
    West Point, MS (FHA|USDA|VA) 45 $8,595,000 $191,000 $4,621 5.00%
    Alexander City, AL (FHA|USDA|VA) 24 $8,560,000 $356,667 $4,672 5.04%
    WINSTON-SALEM, NC (FHA|USDA|VA) 28 $7,400,000 $264,286 $6,303 4.62%
    RALEIGH-CARY, NC (FHA|USDA|VA) 20 $7,170,000 $358,500 $6,177 4.14%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 32 $6,960,000 $217,500 $5,985 4.84%
    Meridian, MS (FHA|USDA|VA) 37 $6,895,000 $186,351 $5,699 4.52%
    Cullman, AL (FHA|USDA|VA) 22 $6,400,000 $290,909 $5,881 4.38%
    Troy, AL (FHA|USDA|VA) 32 $6,350,000 $198,438 $5,191 4.01%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 23 $6,315,000 $274,565 $6,782 5.03%
    Scottsboro, AL (FHA|USDA|VA) 28 $6,290,000 $224,643 $5,314 4.75%
    GAINESVILLE, GA (FHA|USDA|VA) 23 $6,235,000 $271,087 $6,666 4.54%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 16 $6,100,000 $381,250 $7,223 4.13%
    HARRISONBURG, VA (FHA|USDA|VA) 22 $6,040,000 $274,545 $4,884 4.18%
    ASHEVILLE, NC (FHA|USDA|VA) 19 $6,025,000 $317,105 $5,755 4.87%
    Batesville, AR (FHA|USDA|VA) 38 $5,990,000 $157,632 $6,977 4.71%
    Fort Payne, AL (FHA|USDA|VA) 29 $5,905,000 $203,621 $5,099 4.51%
    Cookeville, TN (FHA|USDA|VA) 27 $5,765,000 $213,519 $3,935 4.63%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 24 $5,730,000 $238,750 $4,455 4.64%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 18 $5,720,000 $317,778 $6,602 4.28%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 16 $5,540,000 $346,250 $5,907 4.27%
    BATON ROUGE, LA (FHA|USDA|VA) 17 $5,465,000 $321,471 $7,147 4.54%
    Lawrenceburg, TN (FHA|USDA|VA) 23 $5,365,000 $233,261 $6,449 4.56%
    Cornelia, GA (FHA|USDA|VA) 21 $5,345,000 $254,524 $5,001 4.82%
    Corinth, MS (FHA|USDA|VA) 41 $5,265,000 $128,415 $4,037 5.06%
    Dayton, TN (FHA|USDA|VA) 18 $5,000,000 $277,778 $5,292 4.57%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 12 $4,810,000 $400,833 $4,999 4.21%
    Morehead City, NC (FHA|USDA|VA) 9 $4,715,000 $523,889 $5,776 3.71%
    Calhoun, GA (FHA|USDA|VA) 23 $4,615,000 $200,652 $5,391 5.05%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $4,510,000 $1,127,500 $20,454 4.59%
    RICHMOND, VA (FHA|USDA|VA) 17 $4,435,000 $260,882 $6,399 4.70%
    WILMINGTON, NC (FHA|USDA|VA) 10 $4,260,000 $426,000 $6,706 4.69%
    HATTIESBURG, MS (FHA|USDA|VA) 17 $4,255,000 $250,294 $4,617 5.07%
    Sevierville, TN (FHA|USDA|VA) 15 $4,205,000 $280,333 $6,238 5.05%
    OCALA, FL (FHA|USDA|VA) 14 $4,050,000 $289,286 $5,650 4.98%
    Natchitoches, LA (FHA|USDA|VA) 18 $3,910,000 $217,222 $6,820 3.58%
    JACKSONVILLE, NC (FHA|USDA|VA) 14 $3,860,000 $275,714 $4,159 3.71%
    Seneca, SC (FHA|USDA|VA) 8 $3,740,000 $467,500 $7,104 5.25%
    Ozark, AL (FHA|USDA|VA) 19 $3,715,000 $195,526 $5,846 4.92%
    Cullowhee, NC (FHA|USDA|VA) 8 $3,640,000 $455,000 $6,271 4.16%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 15 $3,575,000 $238,333 $4,429 4.82%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 11 $3,565,000 $324,091 $7,299 4.46%
    Cleveland, MS (FHA|USDA|VA) 26 $3,450,000 $132,692 $3,644 4.68%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $3,410,000 $852,500 $6,752 4.93%
    Eufaula, AL-GA (FHA|USDA|VA) 19 $3,215,000 $169,211 $5,685 5.00%
    Mount Airy, NC (FHA|USDA|VA) 17 $3,215,000 $189,118 $4,801 3.90%
    Richmond-Berea, KY (FHA|USDA|VA) 14 $3,200,000 $228,571 $5,581 4.12%
    TALLAHASSEE, FL (FHA|USDA|VA) 9 $3,175,000 $352,778 $6,030 4.82%
    ROME, GA (FHA|USDA|VA) 13 $3,145,000 $241,923 $7,388 4.72%
    BRUNSWICK, GA (FHA|USDA|VA) 11 $3,145,000 $285,909 $6,641 5.14%
    NEW BERN, NC (FHA|USDA|VA) 10 $3,010,000 $301,000 $5,206 4.43%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 12 $2,900,000 $241,667 $4,239 4.28%
    Tifton, GA (FHA|USDA|VA) 12 $2,890,000 $240,833 $6,016 4.48%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 7 $2,795,000 $399,286 $6,137 4.02%
    Moultrie, GA (FHA|USDA|VA) 13 $2,775,000 $213,462 $5,227 4.16%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $2,735,000 $303,889 $6,354 5.03%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 7 $2,685,000 $383,571 $7,357 4.52%
    Greenwood, MS (FHA|USDA|VA) 11 $2,635,000 $239,545 $4,055 4.11%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $2,595,000 $370,714 $8,712 4.54%
    JACKSON, TN (FHA|USDA|VA) 18 $2,560,000 $142,222 $3,479 4.03%
    BOWLING GREEN, KY (FHA|USDA|VA) 7 $2,515,000 $359,286 $3,830 4.23%
    Athens, TN (FHA|USDA|VA) 11 $2,515,000 $228,636 $3,988 4.88%
    Cedartown, GA (FHA|USDA|VA) 12 $2,430,000 $202,500 $4,304 5.35%
    ALBUQUERQUE, NM (FHA|USDA|VA) 7 $2,425,000 $346,429 $4,410 3.27%
    STAUNTON, VA (FHA|USDA|VA) 8 $2,390,000 $298,750 $6,016 3.89%
    RENO, NV (FHA|USDA|VA) 5 $2,345,000 $469,000 $7,057 4.05%
    Bluefield, WV-VA (FHA|USDA|VA) 15 $2,315,000 $154,333 $4,501 4.81%
    Thomasville, GA (FHA|USDA|VA) 10 $2,300,000 $230,000 $5,833 5.04%
    Jefferson, GA (FHA|USDA|VA) 7 $2,295,000 $327,857 $4,414 4.43%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $2,275,000 $455,000 $3,786 4.00%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 15 $2,255,000 $150,333 $5,031 4.79%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $2,180,000 $363,333 $6,042 4.29%
    Waycross, GA (FHA|USDA|VA) 9 $2,135,000 $237,222 $6,832 4.83%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 8 $2,120,000 $265,000 $6,625 4.50%
    Dublin, GA (FHA|USDA|VA) 8 $1,980,000 $247,500 $5,848 4.40%
    Searcy, AR (FHA|USDA|VA) 12 $1,980,000 $165,000 $7,001 4.43%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $1,930,000 $241,250 $3,756 3.77%
    Cordele, GA (FHA|USDA|VA) 9 $1,895,000 $210,556 $5,652 4.71%
    HINESVILLE, GA (FHA|USDA|VA) 7 $1,885,000 $269,286 $9,908 4.53%
    Crossville, TN (FHA|USDA|VA) 9 $1,865,000 $207,222 $5,710 4.55%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,795,000 $359,000 $6,396 4.43%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,755,000 $250,714 $3,646 4.61%
    Newberry, SC (FHA|USDA|VA) 5 $1,655,000 $331,000 $8,016 4.50%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,615,000 $323,000 $5,431 4.73%
    Lewisburg, TN (FHA|USDA|VA) 5 $1,605,000 $321,000 $4,143 4.20%
    Brookhaven, MS (FHA|USDA|VA) 9 $1,585,000 $176,111 $4,369 4.81%
    Danville, VA (FHA|USDA|VA) 9 $1,435,000 $159,444 $4,258 4.43%
    McComb, MS (FHA|USDA|VA) 8 $1,370,000 $171,250 $5,173 4.83%
    Shelby, NC (FHA|USDA|VA) 4 $1,350,000 $337,500 $12,848 5.28%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $1,325,000 $265,000 $4,787 4.20%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,310,000 $327,500 $5,251 4.87%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,310,000 $327,500 $8,567 5.38%
    SUMTER, SC (FHA|USDA|VA) 6 $1,300,000 $216,667 $5,641 6.17%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $1,245,000 $415,000 $5,433 4.33%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $1,210,000 $302,500 $7,419 4.56%
    Toccoa, GA (FHA|USDA|VA) 6 $1,200,000 $200,000 $5,184 3.94%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $1,200,000 $200,000 $4,179 4.48%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $1,190,000 $297,500 $4,778 5.16%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,180,000 $295,000 $13,405 4.56%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $1,175,000 $391,667 $5,718 4.42%
    LAFAYETTE, LA (FHA|USDA|VA) 3 $1,135,000 $378,333 $6,908 4.54%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $1,050,000 $262,500 $5,459 4.72%
    BURLINGTON, NC (FHA|USDA|VA) 4 $1,040,000 $260,000 $6,842 5.21%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $1,010,000 $252,500 $3,081 4.94%
    FLORENCE, SC (FHA|USDA|VA) 3 $1,005,000 $335,000 $8,280 5.58%
    Atmore, AL (FHA|USDA|VA) 4 $1,000,000 $250,000 $6,826 4.72%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 4 $980,000 $245,000 $7,193 4.19%
    CLEVELAND, TN (FHA|USDA|VA) 5 $975,000 $195,000 $5,386 4.17%
    Vidalia, GA (FHA|USDA|VA) 5 $965,000 $193,000 $4,945 4.58%
    Greeneville, TN (FHA|USDA|VA) 5 $925,000 $185,000 $5,522 3.88%
    SALT LAKE CITY, UT (FHA|USDA|VA) 2 $910,000 $455,000 $8,668 4.38%
    FAYETTEVILLE, NC (FHA|USDA|VA) 4 $880,000 $220,000 $4,207 4.34%
    Gaffney, SC (FHA|USDA|VA) 4 $830,000 $207,500 $6,583 4.34%
    HAMMOND, LA (FHA|USDA|VA) 4 $820,000 $205,000 $5,981 4.31%
    Jesup, GA (FHA|USDA|VA) 4 $810,000 $202,500 $4,858 4.72%
    Brevard, NC (FHA|USDA|VA) 3 $805,000 $268,333 $4,581 4.92%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $785,000 $261,667 $8,697 4.67%
    Lake City, FL (FHA|USDA|VA) 4 $780,000 $195,000 $9,977 4.28%
    Boone, NC (FHA|USDA|VA) 2 $770,000 $385,000 $5,588 5.44%
    Paducah, KY-IL (FHA|USDA|VA) 4 $760,000 $190,000 $4,333 6.22%
    BLOOMINGTON, IN (FHA|USDA|VA) 2 $750,000 $375,000 $3,018 4.44%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $730,000 $182,500 $4,437 4.41%
    COLUMBUS, OH (FHA|USDA|VA) 3 $725,000 $241,667 $3,569 4.75%
    LAKE CHARLES, LA (FHA|USDA|VA) 3 $705,000 $235,000 $4,124 5.21%
    Albemarle, NC (FHA|USDA|VA) 2 $670,000 $335,000 $6,032 4.75%
    MORRISTOWN, TN (FHA|USDA|VA) 3 $665,000 $221,667 $7,444 4.33%
    Cedar City, UT (FHA|USDA|VA) 1 $645,000 $645,000 $8,299 3.99%
    WICHITA, KS (FHA|USDA|VA) 2 $640,000 $320,000 $3,223 5.00%
    Shelbyville, TN (FHA|USDA|VA) 2 $640,000 $320,000 $6,313 3.88%
    Milledgeville, GA (FHA|USDA|VA) 3 $635,000 $211,667 $5,505 4.38%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $605,000 $201,667 $2,908 3.46%
    Americus, GA (FHA|USDA|VA) 2 $580,000 $290,000 $8,035 5.69%
    Marion, NC (FHA|USDA|VA) 2 $570,000 $285,000 $6,161 6.06%
    Greenwood, SC (FHA|USDA|VA) 3 $565,000 $188,333 $5,471 5.13%
    TULSA, OK (FHA|USDA|VA) 1 $555,000 $555,000 $18,685 2.75%
    MONROE, LA (FHA|USDA|VA) 1 $555,000 $555,000 $9,509 3.75%
    Clarksdale, MS (FHA|USDA|VA) 4 $550,000 $137,500 $4,234 4.75%
    Uvalde, TX (FHA|USDA|VA) 1 $545,000 $545,000 $6,281 2.88%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $540,000 $270,000 $4,213 4.00%
    Helena-West Helena, AR (FHA|USDA|VA) 6 $510,000 $85,000 $3,618 4.71%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $505,000 $505,000 $8,988 4.00%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $505,000 $505,000 $13,950 4.38%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $490,000 $245,000 $3,059 4.75%
    North Wilkesboro, NC (FHA|USDA|VA) 3 $475,000 $158,333 $4,961 4.67%
    AMES, IA (FHA|USDA|VA) 1 $465,000 $465,000 $9,751 4.88%
    Outside of Metro Areas 1 $455,000 $455,000 $6,941 2.00%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $455,000 $455,000 $19,482 5.25%
    Thomaston, GA (FHA|USDA|VA) 1 $455,000 $455,000 $16,882 6.00%
    Vicksburg, MS (FHA|USDA|VA) 4 $440,000 $110,000 $4,476 4.10%
    Paris, TN (FHA|USDA|VA) 2 $410,000 $205,000 $3,930 4.75%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $405,000 $405,000 $4,864 5.13%
    Stillwater, OK (FHA|USDA|VA) 2 $400,000 $200,000 $0 3.38%
    GREENVILLE, NC (FHA|USDA|VA) 1 $395,000 $395,000 $10,836 4.25%
    Shawnee, OK (FHA|USDA|VA) 1 $385,000 $385,000 $16,687 2.99%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $375,000 $375,000 $3,227 3.75%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $365,000 $365,000 $3,735 4.99%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $365,000 $365,000 $5,394 5.00%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $365,000 $365,000 $4,428 2.75%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $360,000 $180,000 $5,151 5.44%
    Fitzgerald, GA (FHA|USDA|VA) 4 $360,000 $90,000 $5,933 3.47%
    Brenham, TX (FHA|USDA|VA) 1 $355,000 $355,000 $6,757 2.50%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $345,000 $345,000 $10,901 3.50%
    Kinston, NC (FHA|USDA|VA) 1 $335,000 $335,000 $3,520 4.75%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $325,000 $325,000 $2,705 4.88%
    ROCHESTER, MN (FHA|USDA|VA) 1 $315,000 $315,000 $2,947 4.88%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $305,000 $305,000 $6,370 3.88%
    Georgetown, SC (FHA|USDA|VA) 2 $290,000 $145,000 $5,895 5.38%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.63%
    Greenville, MS (FHA|USDA|VA) 2 $280,000 $140,000 $2,625 5.85%
    COLUMBUS, IN (FHA|USDA|VA) 1 $275,000 $275,000 $7,788 4.50%
    LUBBOCK, TX (FHA|USDA|VA) 1 $275,000 $275,000 $5,957 4.38%
    Jasper, AL (FHA|USDA|VA) 3 $265,000 $88,333 $3,110 4.67%
    St. Marys, GA (FHA|USDA|VA) 1 $255,000 $255,000 $4,673 4.50%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $4,106 6.00%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $255,000 $255,000 $7,554 4.88%
    Taos, NM (FHA|USDA|VA) 1 $255,000 $255,000 $5,650 3.38%
    Indianola, MS (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.50%
    COLUMBIA, MO (FHA|USDA|VA) 1 $245,000 $245,000 $1,626 4.99%
    Roswell, NM (FHA|USDA|VA) 1 $245,000 $245,000 $3,426 5.25%
    TYLER, TX (FHA|USDA|VA) 1 $245,000 $245,000 $6,515 3.13%
    TUCSON, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.75%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $6,608 4.63%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $225,000 $225,000 $3,686 5.13%
    Cañon City, CO (FHA|USDA|VA) 1 $225,000 $225,000 $3,758 4.63%
    Summerville, GA (FHA|USDA|VA) 1 $225,000 $225,000 $10,282 5.75%
    CHARLESTON, WV (FHA|USDA|VA) 1 $225,000 $225,000 $8,739 3.50%
    Big Spring, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,567 3.88%
    Findlay, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,558 6.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,807 3.00%
    Orangeburg, SC (FHA|USDA|VA) 1 $195,000 $195,000 $5,596 3.13%
    London, KY (FHA|USDA|VA) 1 $195,000 $195,000 $5,997 5.38%
    AKRON, OH (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.38%
    Martin, TN (FHA|USDA|VA) 2 $180,000 $90,000 $3,121 4.13%
    Coshocton, OH (FHA|USDA|VA) 1 $175,000 $175,000 $9,315 4.75%
    Bainbridge, GA (FHA|USDA|VA) 1 $165,000 $165,000 $7,220 5.25%
    Palatka, FL (FHA|USDA|VA) 1 $165,000 $165,000 $4,975 5.50%
    Selma, AL (FHA|USDA|VA) 2 $160,000 $80,000 $4,164 6.75%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $155,000 $155,000 $3,845 3.25%
    Mount Sterling, KY (FHA|USDA|VA) 1 $155,000 $155,000 $2,398 3.25%
    LINCOLN, NE (FHA|USDA|VA) 1 $155,000 $155,000 $4,394 7.38%
    JONESBORO, AR (FHA|USDA|VA) 1 $145,000 $145,000 $8,044 4.75%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,561 3.50%
    Martinsville, VA (FHA|USDA|VA) 1 $115,000 $115,000 $4,790 2.75%
    Guymon, OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,761 3.99%
    Clarksburg, WV (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.88%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.00%
    Brownsville, TN (FHA|USDA|VA) 1 $85,000 $85,000 $3,526 4.38%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $55,000 $55,000 $3,109 6.63%
    Renasant Bank's top markets include Atlanta, Nashville, Birmingham, Memphis, and Crestview among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • Alabama (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 7,466 $2,235,530,000 $299,428 $5,060 4.72%
    HELOC 2,199 $370,035,000 $168,274 n/a 4.77%
    FHA 1,021 $226,855,000 $222,189 $8,296 4.91%
    USDA 436 $74,350,000 $170,528 $5,961 4.46%
    VA 393 $126,255,000 $321,260 $8,237 4.62%

    For 2022, Renasant Bank's most frequently originated type of loan was Conventional, with 7,466 originations. Their 2nd most popular type was HELOC, with 2,199 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,779 $2,009,845,000 $296,481 $5,906 4.78%
    Refi 1,803 $462,625,000 $256,586 $4,791 4.70%
    Other 1,285 $212,845,000 $165,638 $888 4.86%
    Cash Out Refi 1,266 $305,800,000 $241,548 $5,121 4.34%
    Home Improvement 382 $41,910,000 $109,712 $1,268 4.79%

    For 2022, Renasant Bank's most frequently cited loan purpose was Home Purchase, with 6,779 originations. The 2nd most popular reason was Refi, with 1,803 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 7,424 $2,132,720,000 $287,274 $5,783 4.78%
    10 Year 2,052 $327,950,000 $159,820 $2,613 4.66%
    15 Year 648 $149,280,000 $230,370 $4,435 3.83%
    5 Year 579 $148,225,000 $256,002 $480 5.25%
    Other 321 $79,675,000 $248,209 $2,500 4.84%
    30+ year 191 $131,625,000 $689,136 $8,395 4.60%
    1 Year 149 $27,825,000 $186,745 $1,523 5.49%
    20 Year 142 $33,620,000 $236,761 $4,613 4.34%
    3 Year 9 $2,105,000 $233,889 $0 5.57%

    For 2022, Renasant Bank's most frequently cited loan duration was 30 Year, with 7,424 originations. The 2nd most popular length was 10 Year, with 2,052 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,377 $923,885,000 $273,582
    $2k-3k 1,386 $375,890,000 $271,205
    $<1k 1,063 $250,145,000 $235,320
    $5k+ 943 $429,025,000 $454,958
    $3k-4k 886 $240,570,000 $271,524
    $4k-5k 571 $183,015,000 $320,517

    Renasant Bank's average total fees were $5,783, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,377 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 3,664 $985,670,000 $269,015
    5-6% 3,147 $799,985,000 $254,206
    4-5% 2,709 $765,645,000 $282,630
    6-7% 1,225 $270,995,000 $221,220
    2.5-3% 385 $130,115,000 $337,961
    7-8% 274 $51,200,000 $186,861
    <2.5% 91 $26,025,000 $285,989
    Over 8% 20 $3,390,000 $169,500

    During 2022, Renasant Bank's average interest rate for loans was 4.78%, while their most frequently originated rate bucket for loans was 3-4%, with 3,664 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,546 $1,270,270,000 $279,426 $6,011 4.75%
    $100k-200k 3,123 $463,065,000 $148,276 $4,376 4.73%
    $100,000 or less 2,062 $114,360,000 $55,461 $2,984 4.86%
    $400k-600k 1,183 $564,685,000 $477,333 $7,202 4.61%
    $600k-1MM 412 $292,910,000 $710,947 $7,812 4.47%
    $1MM+ 189 $327,735,000 $1,734,048 $12,043 4.29%

    2022 saw Renasant Bank place emphasis on $200k-400k loans with 4,546 originations, totaling $1,270,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,481 $477,945,000 $192,642 $5,336 4.75%
    $100k-150k 2,113 $562,105,000 $266,022 $6,045 4.77%
    $75k-100k 1,702 $385,690,000 $226,610 $5,824 4.74%
    $150k-250k 1,685 $538,255,000 $319,439 $6,265 4.68%
    $50k or less 1,679 $217,005,000 $129,247 $4,297 4.70%
    $250k+ 1,234 $643,120,000 $521,167 $7,613 4.55%

    Renasant Bank lent most frequently to those with incomes in the $50k-75k range, with 2,481 originations. The second most popular income band? $100k-150k, with 2,113 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,337 $599,855,000 $256,677 $5,265 4.57%
    30-36% 2,009 $523,995,000 $260,824 $5,362 4.65%
    <20% 1,136 $273,380,000 $240,651 $4,726 4.54%
    39% 732 $191,840,000 $262,077 $5,586 4.73%
    42% 486 $139,500,000 $287,037 $5,348 4.88%
    37% 440 $107,940,000 $245,318 $5,348 4.68%
    50-60% 432 $110,440,000 $255,648 $8,547 4.70%
    38% 421 $121,985,000 $289,751 $5,914 4.77%
    41% 394 $103,550,000 $262,817 $5,272 4.84%
    36% 393 $117,025,000 $297,774 $5,793 4.73%
    40% 343 $96,125,000 $280,248 $5,643 4.86%
    43% 286 $82,180,000 $287,343 $6,346 4.72%
    44% 276 $72,190,000 $261,558 $5,984 4.73%
    45% 215 $58,425,000 $271,744 $6,375 4.82%
    49% 192 $55,320,000 $288,125 $6,303 4.80%
    46% 178 $47,550,000 $267,135 $6,307 4.89%
    47% 172 $48,800,000 $283,721 $6,303 4.82%
    48% 167 $45,125,000 $270,210 $6,040 5.04%
    >60% 36 $6,910,000 $191,944 $4,408 5.00%

    Renasant Bank lent most frequently to those with DTI ratios of 20-30%, with 2,337 originations. The next most common DTI ratio? 30-36%, with 2,009 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,136 $2,114,930,000 $259,947 $5,494 4.69%
    Black 1,459 $330,555,000 $226,563 $6,232 4.89%
    Not provided 1,075 $292,735,000 $272,312 $5,897 4.73%
    Not applicable 452 $173,300,000 $383,407 $0 5.18%
    Asian 265 $84,535,000 $319,000 $6,323 4.56%
    American Indian 50 $12,110,000 $242,200 $5,564 4.74%
    Asian Indian 31 $11,875,000 $383,065 $6,293 4.00%
    Other Asian 16 $4,140,000 $258,750 $5,992 4.52%
    Chinese 7 $2,845,000 $406,429 $4,895 4.43%
    Korean 3 $1,225,000 $408,333 $6,808 5.25%
    Filipino 4 $1,200,000 $300,000 $6,133 4.84%
    Native Hawaiian or Islander 9 $1,195,000 $132,778 $3,964 5.13%
    Other Pacific Islander 4 $1,120,000 $280,000 $9,809 5.03%
    Japanese 2 $720,000 $360,000 $10,079 4.31%
    Vietnamese 2 $540,000 $270,000 $6,448 6.13%

    Approval Rates

    Total approvals of all applications
    89.03%

    Renasant Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.51%

    Renasant Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 11,515 $3,033,025,000 $263,398

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    11,515 $3,033,025,000 $263,398

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,242 $213,050,000 $171,538 $3,795 4.76%
    40-60% 1,305 $340,295,000 $260,762 $4,467 4.62%
    60-80% 2,805 $924,175,000 $329,474 $5,639 4.66%
    80-100% 5,003 $1,433,245,000 $286,477 $5,871 4.79%
    Over 100% 138 $44,690,000 $323,841 $11,411 4.78%
    Under 20% 1,021 $77,485,000 $75,891 $2,011 4.72%