Renasant Bank Mortgage Lending & HMDA Data, 2005

In 2005, Renasant Bank of Johns Creek, GA reported 5,445 mortgage applications totaling $563.4 million, up 45% from 2004. The average application was for $103,467, and applicants reported an average income of $72,242. 88% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Birmingham-Hoover, AL (867), Huntsville, AL (521) and Decatur, AL (250) (applications in parentheses).

Mortgage Company & Address Renasant Bank

Johns Creek, GA 30097
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 5,445
Total Mortgage Loan Application Amount $563,378,000
Average Mortgage Loan Application Amount $103,467
Highest Mortgage Loan Application Amount $10,500,000
Average Applicant Income $72,242
Highest Applicant Income $4,001,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Renasant Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Renasant Bank by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lee, Mississippi 484 $ 32,236,000 $ 66,603 $ 57,000
Jefferson, Alabama 468 $ 71,390,000 $ 152,542 $ 97,000
Madison, Alabama 463 $ 62,266,000 $ 134,483 $ 57,000
Shelby, Alabama 323 $ 53,986,000 $ 167,139 $ 114,000
Monroe, Mississippi 249 $ 12,773,000 $ 51,297 $ 59,000
Morgan, Alabama 227 $ 26,742,000 $ 117,806 $ 63,000
Etowah, Alabama 199 $ 20,684,000 $ 103,939 $ 67,000
Grenada, Mississippi 183 $ 8,286,000 $ 45,278 $ 47,000
Pontotoc, Mississippi 172 $ 9,995,000 $ 58,110 $ 67,000
Winston, Mississippi 145 $ 5,854,000 $ 40,372 $ 61,000
Alcorn, Mississippi 144 $ 7,753,000 $ 53,840 $ 52,000
Prentiss, Mississippi 129 $ 5,259,000 $ 40,767 $ 45,000
DeSoto, Mississippi 124 $ 15,252,000 $ 123,000 $ 59,000
Yalobusha, Mississippi 121 $ 4,197,000 $ 34,685 $ 40,000
Tishomingo, Mississippi 120 $ 5,255,000 $ 43,791 $ 50,000
Union, Mississippi 106 $ 4,744,000 $ 44,754 $ 50,000
Caddo, Louisiana 102 $ 11,511,000 $ 112,852 $ 75,000
Tuscaloosa, Alabama 89 $ 11,183,000 $ 125,651 $ 67,000
Panola, Mississippi 86 $ 5,344,000 $ 62,139 $ 69,000
Bossier, Louisiana 79 $ 9,228,000 $ 116,810 $ 80,000
Shelby, Tennessee 78 $ 19,760,000 $ 253,333 $ 119,000
Clay, Mississippi 67 $ 4,341,000 $ 64,791 $ 58,000
Montgomery, Mississippi 60 $ 2,834,000 $ 47,233 $ 41,000
Chickasaw, Mississippi 59 $ 2,113,000 $ 35,813 $ 52,000
Limestone, Alabama 58 $ 7,184,000 $ 123,862 $ 67,000
Talladega, Alabama 55 $ 5,651,000 $ 102,745 $ 73,000
Calhoun, Mississippi 53 $ 2,003,000 $ 37,792 $ 55,000
Calcasieu, Louisiana 45 $ 4,015,000 $ 89,222 $ 76,000
St. Clair, Alabama 44 $ 4,668,000 $ 106,090 $ 62,000
Marshall, Alabama 38 $ 4,460,000 $ 117,368 $ 91,000
Lafayette, Mississippi 37 $ 4,280,000 $ 115,675 $ 88,000
East Baton Rouge, Louisiana 36 $ 4,875,000 $ 135,416 $ 64,000
Itawamba, Mississippi 36 $ 1,802,000 $ 50,055 $ 49,000
Houston, Alabama 34 $ 4,234,000 $ 124,529 $ 77,000
Vernon, Louisiana 27 $ 2,971,000 $ 110,037 $ 51,000
Baldwin, Alabama 24 $ 8,866,000 $ 369,416 $ 187,000
Pike, Mississippi 24 $ 2,497,000 $ 104,041 $ 56,000
Lawrence, Alabama 23 $ 2,512,000 $ 109,217 $ 53,000
Blount, Alabama 19 $ 2,256,000 $ 118,736 $ 79,000
Montgomery, Alabama 19 $ 2,175,000 $ 114,473 $ 94,000
Carroll, Mississippi 18 $ 770,000 $ 42,777 $ 63,000
Oktibbeha, Mississippi 18 $ 3,687,000 $ 204,833 $ 97,000
Barbour, Alabama 17 $ 2,767,000 $ 162,764 $ 84,000
Hancock, Mississippi 17 $ 2,027,000 $ 119,235 $ 57,000
DeKalb, Alabama 16 $ 1,697,000 $ 106,062 $ 43,000
Ascension, Louisiana 14 $ 2,117,000 $ 151,214 $ 77,000
Natchitoches, Louisiana 14 $ 1,730,000 $ 123,571 $ 49,000
Ouachita, Louisiana 13 $ 1,241,000 $ 95,461 $ 100,000
Tate, Mississippi 13 $ 1,773,000 $ 136,384 $ 106,000
Livingston, Louisiana 12 $ 1,369,000 $ 114,083 $ 61,000
Tallahatchie, Mississippi 12 $ 371,000 $ 30,916 $ 44,000
Jones, Mississippi 11 $ 1,289,000 $ 117,181 $ 68,000
Lamar, Mississippi 11 $ 1,796,000 $ 163,272 $ 84,000
Jackson, Alabama 10 $ 916,000 $ 91,600 $ 78,000
Bay, Florida 10 $ 2,631,000 $ 263,100 $ 143,000
Okaloosa, Florida 10 $ 2,914,000 $ 291,400 $ 215,000
Avoyelles, Louisiana 10 $ 963,000 $ 96,300 $ 44,000
Rapides, Louisiana 10 $ 1,605,000 $ 160,500 $ 60,000
Forrest, Mississippi 10 $ 1,103,000 $ 110,300 $ 82,000
Hardin, Tennessee 10 $ 1,923,000 $ 192,300 $ 223,000
Lauderdale, Alabama 9 $ 727,000 $ 80,777 $ 62,000
Winston, Alabama 9 $ 1,754,000 $ 194,888 $ 175,000
Cobb, Georgia 9 $ 1,258,000 $ 139,777 $ 59,000
Tallapoosa, Alabama 8 $ 1,469,000 $ 183,625 $ 182,000
Choctaw, Mississippi 8 $ 458,000 $ 57,250 $ 57,000
Harrison, Mississippi 8 $ 1,101,000 $ 137,625 $ 66,000
Galveston, Texas 8 $ 774,000 $ 96,750 $ 83,000
Colbert, Alabama 7 $ 732,000 $ 104,571 $ 118,000
Randolph, Alabama 7 $ 862,000 $ 123,142 $ 68,000
McNairy, Tennessee 7 $ 369,000 $ 52,714 $ 48,000
Chilton, Alabama 6 $ 531,000 $ 88,500 $ 66,000
Fulton, Georgia 6 $ 1,491,000 $ 248,500 $ 188,000
Webster, Louisiana 6 $ 391,000 $ 65,166 $ 44,000
Attala, Mississippi 6 $ 374,000 $ 62,333 $ 66,000
Noxubee, Mississippi 6 $ 119,000 $ 19,833 $ 36,000
Harris, Texas 6 $ 10,872,000 $ 1,812,000 $ 25,000
Coosa, Alabama 5 $ 555,000 $ 111,000 $ 58,000
Cullman, Alabama 5 $ 712,000 $ 142,400 $ 93,000
Elmore, Alabama 5 $ 534,000 $ 106,800 $ 64,000
Franklin, Louisiana 5 $ 346,000 $ 69,200 $ 48,000
Tippah, Mississippi 5 $ 188,000 $ 37,600 $ 71,000
Bibb, Alabama 4 $ 425,000 $ 106,250 $ 98,000
Calhoun, Alabama 4 $ 357,000 $ 89,250 $ 52,000
Dale, Alabama 4 $ 426,000 $ 106,500 $ 50,000
Henry, Alabama 4 $ 915,000 $ 228,750 $ 135,000
Pike, Alabama 4 $ 354,000 $ 88,500 $ 90,000
Beauregard, Louisiana 4 $ 377,000 $ 94,250 $ 68,000
Grant, Louisiana 4 $ 332,000 $ 83,000 $ 49,000
West Baton Rouge, Louisiana 4 $ 319,000 $ 79,750 $ 45,000
Benton, Mississippi 4 $ 296,000 $ 74,000 $ 68,000
Lincoln, Mississippi 4 $ 616,000 $ 154,000 $ 124,000
Lowndes, Mississippi 4 $ 220,000 $ 55,000 $ 79,000
Marshall, Mississippi 4 $ 316,000 $ 79,000 $ 58,000
Webster, Mississippi 4 $ 115,000 $ 28,750 $ 34,000
Lincoln, Tennessee 4 $ 915,000 $ 228,750 $ 111,000
Covington, Alabama 3 $ 658,000 $ 219,333 $ 104,000
Lee, Alabama 3 $ 557,000 $ 185,666 $ 112,000
Marengo, Alabama 3 $ 235,000 $ 78,333 $ 77,000
Walker, Alabama 3 $ 346,000 $ 115,333 $ 39,000
Escambia, Florida 3 $ 1,790,000 $ 596,666 $ 135,000
Walton, Florida 3 $ 530,000 $ 176,666 $ 43,000
De Soto, Louisiana 3 $ 501,000 $ 167,000 $ 49,000
East Feliciana, Louisiana 3 $ 208,000 $ 69,333 $ 58,000
Lafayette, Louisiana 3 $ 285,000 $ 95,000 $ 37,000
Amite, Mississippi 3 $ 182,000 $ 60,666 $ 68,000
Jackson, Mississippi 3 $ 406,000 $ 135,333 $ 49,000
Leflore, Mississippi 3 $ 259,000 $ 86,333 $ 82,000
Neshoba, Mississippi 3 $ 637,000 $ 212,333 $ 76,000
Hale, Alabama 2 $ 328,000 $ 164,000 $ 26,000
Lamar, Alabama 2 $ 44,000 $ 22,000 $ 30,000
Pinellas, Florida 2 $ 492,000 $ 246,000 $ 145,000
Glynn, Georgia 2 $ 495,000 $ 247,500 $ 417,000
Gwinnett, Georgia 2 $ 319,000 $ 159,500 $ 68,000
Cook, Illinois 2 $ 384,000 $ 192,000 $ 427,000
Bienville, Louisiana 2 $ 128,000 $ 64,000 $ 38,000
Jefferson, Louisiana 2 $ 459,000 $ 229,500 $ 102,000
Orleans, Louisiana 2 $ 242,000 $ 121,000 $ 72,000
Union, Louisiana 2 $ 181,000 $ 90,500 $ 22,000
Greene, Mississippi 2 $ 88,000 $ 44,000 $ 36,000
Hinds, Mississippi 2 $ 158,000 $ 79,000 $ 60,000
Lauderdale, Mississippi 2 $ 296,000 $ 148,000 $ 98,000
Perry, Mississippi 2 $ 133,000 $ 66,500 $ 28,000
Quitman, Mississippi 2 $ 22,000 $ 11,000 $ 27,000
Fayette, Tennessee 2 $ 804,000 $ 402,000 $ 211,000
Giles, Tennessee 2 $ 148,000 $ 74,000 $ 67,000
Knox, Tennessee 2 $ 165,000 $ 82,500 $ 49,000
Madison, Tennessee 2 $ 230,000 $ 115,000 $ 234,000
Washington, Tennessee 2 $ 78,000 $ 39,000 $ 58,000
Brazoria, Texas 2 $ 224,000 $ 112,000 $ 65,000
Henderson, Texas 2 $ 202,000 $ 101,000 $ 151,000
Jefferson, Texas 2 $ 55,000 $ 27,500 $ 118,000
Chambers, Alabama 1 $ 220,000 $ 220,000 $ 110,000
Cherokee, Alabama 1 $ 77,000 $ 77,000 $ 48,000
Coffee, Alabama 1 $ 77,000 $ 77,000 $ 37,000
Conecuh, Alabama 1 $ 80,000 $ 80,000 $ 37,000
Escambia, Alabama 1 $ 54,000 $ 54,000 $ 60,000
Fayette, Alabama 1 $ 32,000 $ 32,000 $ 79,000
Franklin, Alabama 1 $ 11,000 $ 11,000 $ 41,000
Greene, Alabama 1 $ 46,000 $ 46,000 $ 96,000
Marion, Alabama 1 $ 38,000 $ 38,000 $ 40,000
Mobile, Alabama 1 $ 166,000 $ 166,000 $ 81,000
Perry, Alabama 1 $ 50,000 $ 50,000 $ 35,000
Pickens, Alabama 1 $ 135,000 $ 135,000 $ 97,000
Cleburne, Arkansas 1 $ 350,000 $ 350,000 $ 354,000
Crittenden, Arkansas 1 $ 55,000 $ 55,000 $ 21,000
Brevard, Florida 1 $ 86,000 $ 86,000 $ 78,000
Duval, Florida 1 $ 273,000 $ 273,000 $ 375,000
Gulf, Florida 1 $ 333,000 $ 333,000 $ 4,001,000
Jackson, Florida 1 $ 75,000 $ 75,000 $ 61,000
Osceola, Florida 1 $ 269,000 $ 269,000 $ 60,000
Santa Rosa, Florida 1 $ 215,000 $ 215,000 $ 0
Early, Georgia 1 $ 108,000 $ 108,000 $ 49,000
Seminole, Georgia 1 $ 132,000 $ 132,000 $ 127,000
Catahoula, Louisiana 1 $ 143,000 $ 143,000 $ 83,000
Claiborne, Louisiana 1 $ 51,000 $ 51,000 $ 0
Evangeline, Louisiana 1 $ 208,000 $ 208,000 $ 54,000
Jefferson Davis, Louisiana 1 $ 39,000 $ 39,000 $ 19,000
Lincoln, Louisiana 1 $ 498,000 $ 498,000 $ 0
Pointe Coupee, Louisiana 1 $ 165,000 $ 165,000 $ 97,000
Red River, Louisiana 1 $ 50,000 $ 50,000 $ 43,000
Sabine, Louisiana 1 $ 74,000 $ 74,000 $ 107,000
St. Bernard, Louisiana 1 $ 109,000 $ 109,000 $ 28,000
Terrebonne, Louisiana 1 $ 89,000 $ 89,000 $ 38,000
West Feliciana, Louisiana 1 $ 219,000 $ 219,000 $ 289,000
Adams, Mississippi 1 $ 129,000 $ 129,000 $ 47,000
Coahoma, Mississippi 1 $ 44,000 $ 44,000 $ 120,000
Copiah, Mississippi 1 $ 40,000 $ 40,000 $ 30,000
Covington, Mississippi 1 $ 151,000 $ 151,000 $ 117,000
Jasper, Mississippi 1 $ 88,000 $ 88,000 $ 83,000
Jefferson, Mississippi 1 $ 41,000 $ 41,000 $ 38,000
Leake, Mississippi 1 $ 52,000 $ 52,000 $ 66,000
Newton, Mississippi 1 $ 61,000 $ 61,000 $ 78,000
Rankin, Mississippi 1 $ 86,000 $ 86,000 $ 79,000
Scott, Mississippi 1 $ 200,000 $ 200,000 $ 48,000
Sunflower, Mississippi 1 $ 24,000 $ 24,000 $ 52,000
Clark, Nevada 1 $ 184,000 $ 184,000 $ 50,000
Allegheny, Pennsylvania 1 $ 124,000 $ 124,000 $ 60,000
Richland, South Carolina 1 $ 219,000 $ 219,000 $ 107,000
Dyer, Tennessee 1 $ 45,000 $ 45,000 $ 52,000
Franklin, Tennessee 1 $ 535,000 $ 535,000 $ 74,000
Hickman, Tennessee 1 $ 14,000 $ 14,000 $ 62,000
Lawrence, Tennessee 1 $ 13,000 $ 13,000 $ 33,000
Putnam, Tennessee 1 $ 85,000 $ 85,000 $ 125,000
Rutherford, Tennessee 1 $ 16,000 $ 16,000 $ 150,000
Blanco, Texas 1 $ 100,000 $ 100,000 $ 0
Denton, Texas 1 $ 206,000 $ 206,000 $ 0
Newton, Texas 1 $ 47,000 $ 47,000 $ 55,000
Salem, Virginia 1 $ 102,000 $ 102,000 $ 162,000
Stafford, Virginia 1 $ 252,000 $ 252,000 $ 61,000

Mortgage Loan Application Detail Totals for Renasant Bank in 2005

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 2,853 $328,397,000 $226,727 $10,500,000 $161,454 $4,001,000
Refinancing 2,177 $220,999,000 $153,200 $2,856,000 $103,100 $3,271,000
Home Improvement 415 $13,982,000 $235,000 $4,600,000 $54,666 $524,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 4,593 $479,621,000 $165,076 $1,700,000 $143,846 $4,001,000
Black or African American 598 $33,259,000 $101,833 $640,000 $61,666 $327,000
Not applicable 107 $31,989,000 $1,555,000 $10,500,000 $1,600 $426,000
Not Provided 52 $7,118,000 $218,250 $520,000 $93,000 $360,000
Hispanic 50 $5,568,000 $100,000 $650,000 $71,250 $312,000
Asian 34 $4,484,000 $132,666 $323,000 $63,333 $703,000
American Indian or Alaskan Native 7 $816,000 $120,666 $178,000 $58,666 $102,000
Native Hawaiian or Other Pacific Islander 4 $523,000 $131,333 $206,000 $88,000 $103,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 5,333 $549,842,000 $202,461 $10,500,000 $137,615 $4,001,000
FHA-insured (Federal Housing Administration) 72 $7,355,000 $99,500 $172,000 $45,500 $177,000
VA-guaranteed (Veterans Administration) 39 $6,042,000 $137,000 $275,000 $69,333 $127,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $139,000 $139,000 $139,000 $30,000 $30,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 4,777 $522,002,000 $206,692 $10,500,000 $138,461 $4,001,000
Application Denied By Financial Institution 378 $17,603,000 $99,500 $520,000 $66,500 $300,000
Application Approved But Not Accepted 244 $16,937,000 $137,833 $566,000 $91,166 $1,020,000
Application Withdrawn By Applicant 45 $6,626,000 $146,000 $595,000 $109,500 $327,000
File Closed For Incompleteness 1 $210,000 $210,000 $210,000 $97,000 $97,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Renasant Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Renasant Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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