Renasant Bank Mortgage Lending & HMDA Data, 2006

In 2006, Renasant Bank of Johns Creek, GA reported 5,421 mortgage applications totaling $580.1 million, about the same as 2005. The average application was for $107,016, and applicants reported an average income of $79,295. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Birmingham-Hoover, AL (640), Huntsville, AL (491) and Memphis, TN-MS-AR (209) (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 5,421
Total Mortgage Loan Application Amount $580,138,000
Average Mortgage Loan Application Amount $107,016
Highest Mortgage Loan Application Amount $3,100,000
Average Applicant Income $79,295
Highest Applicant Income $2,177,000

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Act (HMDA) records Renasant Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lee, Mississippi 479 $ 38,568,000 $ 80,517 $ 73,000
Madison, Alabama 460 $ 73,386,000 $ 159,534 $ 91,000
Jefferson, Alabama 349 $ 51,490,000 $ 147,535 $ 80,000
Monroe, Mississippi 258 $ 14,478,000 $ 56,116 $ 66,000
Shelby, Alabama 228 $ 35,655,000 $ 156,381 $ 80,000
Winston, Mississippi 190 $ 10,694,000 $ 56,284 $ 69,000
Etowah, Alabama 186 $ 19,702,000 $ 105,924 $ 66,000
Grenada, Mississippi 186 $ 9,750,000 $ 52,419 $ 70,000
Morgan, Alabama 148 $ 20,809,000 $ 140,601 $ 83,000
Pontotoc, Mississippi 146 $ 8,191,000 $ 56,102 $ 70,000
Yalobusha, Mississippi 129 $ 5,818,000 $ 45,100 $ 54,000
Alcorn, Mississippi 127 $ 7,628,000 $ 60,062 $ 65,000
Tishomingo, Mississippi 121 $ 7,124,000 $ 58,876 $ 79,000
Union, Mississippi 107 $ 6,648,000 $ 62,130 $ 71,000
Prentiss, Mississippi 99 $ 4,510,000 $ 45,555 $ 58,000
Caddo, Louisiana 93 $ 9,888,000 $ 106,322 $ 57,000
DeSoto, Mississippi 91 $ 12,113,000 $ 133,109 $ 97,000
Pike, Mississippi 85 $ 8,535,000 $ 100,411 $ 52,000
Tuscaloosa, Alabama 80 $ 9,930,000 $ 124,125 $ 187,000
Shelby, Tennessee 78 $ 15,589,000 $ 199,858 $ 122,000
Bossier, Louisiana 74 $ 8,569,000 $ 115,797 $ 75,000
Lafayette, Mississippi 74 $ 12,297,000 $ 166,175 $ 99,000
Panola, Mississippi 69 $ 2,575,000 $ 37,318 $ 63,000
Pike, Alabama 66 $ 8,189,000 $ 124,075 $ 70,000
Montgomery, Mississippi 64 $ 2,527,000 $ 39,484 $ 64,000
Calcasieu, Louisiana 62 $ 5,349,000 $ 86,274 $ 102,000
Marshall, Alabama 60 $ 8,215,000 $ 136,916 $ 65,000
Houston, Alabama 53 $ 8,568,000 $ 161,660 $ 88,000
East Baton Rouge, Louisiana 53 $ 8,524,000 $ 160,830 $ 92,000
Chickasaw, Mississippi 49 $ 1,295,000 $ 26,428 $ 51,000
Calhoun, Mississippi 47 $ 1,869,000 $ 39,765 $ 84,000
Itawamba, Mississippi 47 $ 3,183,000 $ 67,723 $ 79,000
St. Clair, Alabama 40 $ 5,654,000 $ 141,350 $ 70,000
Clay, Mississippi 40 $ 2,074,000 $ 51,850 $ 81,000
Talladega, Alabama 35 $ 3,760,000 $ 107,428 $ 75,000
Limestone, Alabama 31 $ 4,193,000 $ 135,258 $ 57,000
Barbour, Alabama 28 $ 4,414,000 $ 157,642 $ 87,000
Lee, Alabama 26 $ 4,373,000 $ 168,192 $ 128,000
Tipton, Tennessee 26 $ 3,034,000 $ 116,692 $ 57,000
Baldwin, Alabama 25 $ 7,116,000 $ 284,640 $ 210,000
Natchitoches, Louisiana 25 $ 3,983,000 $ 159,320 $ 87,000
Jackson, Alabama 23 $ 2,647,000 $ 115,086 $ 71,000
Neshoba, Mississippi 23 $ 2,201,000 $ 95,695 $ 66,000
Coffee, Alabama 21 $ 2,726,000 $ 129,809 $ 73,000
Ascension, Louisiana 21 $ 3,661,000 $ 174,333 $ 92,000
Harrison, Mississippi 21 $ 3,263,000 $ 155,380 $ 80,000
Hinds, Mississippi 21 $ 2,363,000 $ 112,523 $ 85,000
Walton, Florida 20 $ 5,293,000 $ 264,650 $ 213,000
DeKalb, Alabama 18 $ 1,577,000 $ 87,611 $ 52,000
Oktibbeha, Mississippi 18 $ 968,000 $ 53,777 $ 74,000
Randolph, Alabama 16 $ 2,167,000 $ 135,437 $ 77,000
Rankin, Mississippi 15 $ 1,689,000 $ 112,600 $ 79,000
Jackson, Mississippi 14 $ 1,689,000 $ 120,642 $ 55,000
Lincoln, Mississippi 14 $ 1,492,000 $ 106,571 $ 70,000
Tallahatchie, Mississippi 13 $ 487,000 $ 37,461 $ 52,000
Colbert, Alabama 12 $ 1,139,000 $ 94,916 $ 59,000
Lawrence, Alabama 12 $ 976,000 $ 81,333 $ 49,000
Montgomery, Alabama 12 $ 3,005,000 $ 250,416 $ 108,000
Tallapoosa, Alabama 12 $ 2,129,000 $ 177,416 $ 159,000
Bay, Florida 12 $ 2,464,000 $ 205,333 $ 169,000
Amite, Mississippi 12 $ 1,375,000 $ 114,583 $ 56,000
Carroll, Mississippi 12 $ 683,000 $ 56,916 $ 71,000
Winston, Alabama 11 $ 2,280,000 $ 207,272 $ 223,000
Lamar, Mississippi 11 $ 1,674,000 $ 152,181 $ 74,000
McNairy, Tennessee 11 $ 1,051,000 $ 95,545 $ 54,000
Calhoun, Alabama 10 $ 1,071,000 $ 107,100 $ 53,000
Lauderdale, Alabama 10 $ 1,023,000 $ 102,300 $ 68,000
Webster, Louisiana 10 $ 886,000 $ 88,600 $ 43,000
Forrest, Mississippi 10 $ 1,129,000 $ 112,900 $ 48,000
Hancock, Mississippi 10 $ 1,407,000 $ 140,700 $ 64,000
Madison, Mississippi 10 $ 2,000,000 $ 200,000 $ 122,000
Blount, Alabama 9 $ 1,253,000 $ 139,222 $ 44,000
Livingston, Louisiana 9 $ 946,000 $ 105,111 $ 82,000
Vernon, Louisiana 9 $ 924,000 $ 102,666 $ 61,000
Tippah, Mississippi 9 $ 372,000 $ 41,333 $ 51,000
Dale, Alabama 8 $ 987,000 $ 123,375 $ 75,000
Choctaw, Mississippi 8 $ 357,000 $ 44,625 $ 48,000
Tate, Mississippi 8 $ 1,031,000 $ 128,875 $ 64,000
Lauderdale, Tennessee 8 $ 795,000 $ 99,375 $ 43,000
Elmore, Alabama 7 $ 1,060,000 $ 151,428 $ 101,000
Walker, Alabama 7 $ 555,000 $ 79,285 $ 60,000
Lafayette, Louisiana 7 $ 599,000 $ 85,571 $ 47,000
Rapides, Louisiana 7 $ 672,000 $ 96,000 $ 54,000
Newton, Mississippi 7 $ 678,000 $ 96,857 $ 50,000
Beauregard, Louisiana 6 $ 620,000 $ 103,333 $ 73,000
Jefferson Davis, Louisiana 6 $ 384,000 $ 64,000 $ 58,000
Benton, Mississippi 6 $ 237,000 $ 39,500 $ 67,000
Lowndes, Mississippi 6 $ 347,000 $ 57,833 $ 80,000
Noxubee, Mississippi 6 $ 280,000 $ 46,666 $ 69,000
Webster, Mississippi 6 $ 507,000 $ 84,500 $ 86,000
Hardin, Tennessee 6 $ 2,629,000 $ 438,166 $ 61,000
Crenshaw, Alabama 5 $ 366,000 $ 73,200 $ 53,000
Cullman, Alabama 5 $ 712,000 $ 142,400 $ 98,000
Copiah, Mississippi 5 $ 644,000 $ 128,800 $ 55,000
Walthall, Mississippi 5 $ 521,000 $ 104,200 $ 67,000
Harris, Texas 5 $ 559,000 $ 111,800 $ 98,000
Autauga, Alabama 4 $ 774,000 $ 193,500 $ 112,000
Bibb, Alabama 4 $ 515,000 $ 128,750 $ 47,000
Mobile, Alabama 4 $ 670,000 $ 167,500 $ 62,000
Sumter, Alabama 4 $ 500,000 $ 125,000 $ 66,000
Avoyelles, Louisiana 4 $ 305,000 $ 76,250 $ 62,000
Jackson, Louisiana 4 $ 270,000 $ 67,500 $ 42,000
Lawrence, Mississippi 4 $ 225,000 $ 56,250 $ 45,000
Galveston, Texas 4 $ 568,000 $ 142,000 $ 124,000
Chambers, Alabama 3 $ 457,000 $ 152,333 $ 80,000
Chilton, Alabama 3 $ 270,000 $ 90,000 $ 49,000
Choctaw, Alabama 3 $ 289,000 $ 96,333 $ 60,000
Pickens, Alabama 3 $ 388,000 $ 129,333 $ 70,000
Jackson, Florida 3 $ 272,000 $ 90,666 $ 42,000
Early, Georgia 3 $ 295,000 $ 98,333 $ 75,000
Grant, Louisiana 3 $ 338,000 $ 112,666 $ 73,000
Attala, Mississippi 3 $ 76,000 $ 25,333 $ 80,000
Holmes, Mississippi 3 $ 165,000 $ 55,000 $ 44,000
Leflore, Mississippi 3 $ 131,000 $ 43,666 $ 53,000
Marshall, Mississippi 3 $ 417,000 $ 139,000 $ 148,000
Lincoln, Tennessee 3 $ 213,000 $ 71,000 $ 77,000
Sevier, Tennessee 3 $ 605,000 $ 201,666 $ 424,000
Clarke, Alabama 2 $ 487,000 $ 243,500 $ 67,000
Clay, Alabama 2 $ 240,000 $ 120,000 $ 71,000
Fayette, Alabama 2 $ 249,000 $ 124,500 $ 72,000
Lamar, Alabama 2 $ 225,000 $ 112,500 $ 36,000
Cross, Arkansas 2 $ 212,000 $ 106,000 $ 148,000
Mississippi, Arkansas 2 $ 140,000 $ 70,000 $ 42,000
Pulaski, Arkansas 2 $ 397,000 $ 198,500 $ 78,000
Escambia, Florida 2 $ 1,905,000 $ 952,500 $ 145,000
Okaloosa, Florida 2 $ 2,124,000 $ 1,062,000 $ 1,045,000
Cobb, Georgia 2 $ 175,000 $ 87,500 $ 44,000
Coweta, Georgia 2 $ 287,000 $ 143,500 $ 86,000
Fulton, Georgia 2 $ 199,000 $ 99,500 $ 58,000
Hall, Georgia 2 $ 100,000 $ 50,000 $ 47,000
Acadia, Louisiana 2 $ 40,000 $ 20,000 $ 54,000
Concordia, Louisiana 2 $ 174,000 $ 87,000 $ 46,000
De Soto, Louisiana 2 $ 160,000 $ 80,000 $ 53,000
Ouachita, Louisiana 2 $ 319,000 $ 159,500 $ 30,000
Adams, Mississippi 2 $ 140,000 $ 70,000 $ 87,000
Kemper, Mississippi 2 $ 70,000 $ 35,000 $ 118,000
Leake, Mississippi 2 $ 221,000 $ 110,500 $ 51,000
Simpson, Mississippi 2 $ 150,000 $ 75,000 $ 41,000
Mecklenburg, North Carolina 2 $ 413,000 $ 206,500 $ 107,000
Davidson, Tennessee 2 $ 271,000 $ 135,500 $ 176,000
Dyer, Tennessee 2 $ 371,000 $ 185,500 $ 60,000
Fayette, Tennessee 2 $ 576,000 $ 288,000 $ 98,000
Norfolk, Virginia 2 $ 329,000 $ 164,500 $ 240,000
Portsmouth, Virginia 2 $ 355,000 $ 177,500 $ 216,000
Virginia Beach, Virginia 2 $ 288,000 $ 144,000 $ 240,000
Cherokee, Alabama 1 $ 90,000 $ 90,000 $ 81,000
Cleburne, Alabama 1 $ 208,000 $ 208,000 $ 49,000
Coosa, Alabama 1 $ 268,000 $ 268,000 $ 107,000
Dallas, Alabama 1 $ 110,000 $ 110,000 $ 141,000
Franklin, Alabama 1 $ 86,000 $ 86,000 $ 52,000
Geneva, Alabama 1 $ 70,000 $ 70,000 $ 33,000
Greene, Alabama 1 $ 44,000 $ 44,000 $ 63,000
Hale, Alabama 1 $ 171,000 $ 171,000 $ 52,000
Henry, Alabama 1 $ 242,000 $ 242,000 $ 334,000
Marengo, Alabama 1 $ 48,000 $ 48,000 $ 71,000
Marion, Alabama 1 $ 107,000 $ 107,000 $ 69,000
Perry, Alabama 1 $ 53,000 $ 53,000 $ 45,000
Cleburne, Arkansas 1 $ 595,000 $ 595,000 $ 250,000
Craighead, Arkansas 1 $ 275,000 $ 275,000 $ 248,000
Greene, Arkansas 1 $ 133,000 $ 133,000 $ 63,000
Lee, Arkansas 1 $ 128,000 $ 128,000 $ 77,000
District of Columbia, District Of Columbia 1 $ 57,000 $ 57,000 $ 103,000
Holmes, Florida 1 $ 174,000 $ 174,000 $ 52,000
Marion, Florida 1 $ 179,000 $ 179,000 $ 60,000
Baker, Georgia 1 $ 112,000 $ 112,000 $ 45,000
Dougherty, Georgia 1 $ 71,000 $ 71,000 $ 43,000
Fayette, Georgia 1 $ 187,000 $ 187,000 $ 300,000
Forsyth, Georgia 1 $ 200,000 $ 200,000 $ 62,000
Jackson, Georgia 1 $ 209,000 $ 209,000 $ 62,000
Muscogee, Georgia 1 $ 111,000 $ 111,000 $ 157,000
Cameron, Louisiana 1 $ 106,000 $ 106,000 $ 84,000
Claiborne, Louisiana 1 $ 244,000 $ 244,000 $ 108,000
Franklin, Louisiana 1 $ 102,000 $ 102,000 $ 60,000
Lafourche, Louisiana 1 $ 160,000 $ 160,000 $ 70,000
Orleans, Louisiana 1 $ 210,000 $ 210,000 $ 110,000
Pointe Coupee, Louisiana 1 $ 72,000 $ 72,000 $ 66,000
Red River, Louisiana 1 $ 65,000 $ 65,000 $ 62,000
Washington, Louisiana 1 $ 26,000 $ 26,000 $ 48,000
West Baton Rouge, Louisiana 1 $ 148,000 $ 148,000 $ 64,000
Winn, Louisiana 1 $ 68,000 $ 68,000 $ 32,000
Claiborne, Mississippi 1 $ 9,000 $ 9,000 $ 33,000
Franklin, Mississippi 1 $ 80,000 $ 80,000 $ 58,000
Lauderdale, Mississippi 1 $ 24,000 $ 24,000 $ 0
Perry, Mississippi 1 $ 58,000 $ 58,000 $ 17,000
Quitman, Mississippi 1 $ 16,000 $ 16,000 $ 17,000
Stone, Mississippi 1 $ 183,000 $ 183,000 $ 55,000
Tunica, Mississippi 1 $ 99,000 $ 99,000 $ 0
Wayne, Mississippi 1 $ 120,000 $ 120,000 $ 56,000
Wilkinson, Mississippi 1 $ 59,000 $ 59,000 $ 22,000
Yazoo, Mississippi 1 $ 142,000 $ 142,000 $ 82,000
Blount, Tennessee 1 $ 160,000 $ 160,000 $ 48,000
Bradley, Tennessee 1 $ 132,000 $ 132,000 $ 45,000
Cannon, Tennessee 1 $ 124,000 $ 124,000 $ 67,000
Knox, Tennessee 1 $ 110,000 $ 110,000 $ 0
Robertson, Tennessee 1 $ 106,000 $ 106,000 $ 42,000
Rutherford, Tennessee 1 $ 99,000 $ 99,000 $ 104,000
Sullivan, Tennessee 1 $ 130,000 $ 130,000 $ 86,000
Weakley, Tennessee 1 $ 56,000 $ 56,000 $ 40,000
Hays, Texas 1 $ 55,000 $ 55,000 $ 20,000
Greenbrier, West Virginia 1 $ 70,000 $ 70,000 $ 52,000

Mortgage Loan Application Detail Totals for Renasant Bank in 2006

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 2,858 $350,025,000 $122,000 $3,100,000 $84,000 $2,177,000
Refinancing 2,203 $218,785,000 $99,000 $1,796,000 $77,000 $1,982,000
Home Improvement 360 $11,328,000 $31,000 $1,500,000 $56,000 $850,000

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 4,554 $497,888,000 $109,000 $3,100,000 $84,000 $2,177,000
Black or African American 593 $39,721,000 $66,000 $640,000 $56,000 $293,000
Not applicable 130 $22,248,000 $171,000 $2,000,000 $0 $0
Asian 54 $8,382,000 $155,000 $798,000 $105,000 $572,000
Hispanic 40 $4,265,000 $106,000 $365,000 $75,000 $600,000
Not Provided 32 $4,273,000 $133,000 $340,000 $69,000 $179,000
American Indian or Alaskan Native 11 $2,577,000 $234,000 $960,000 $279,000 $1,237,000
Native Hawaiian or Other Pacific Islander 7 $784,000 $112,000 $205,000 $67,000 $175,000

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) 5,316 $565,919,000 $106,000 $3,100,000 $79,000 $2,177,000
FHA-insured (Federal Housing Administration) 70 $7,983,000 $114,000 $194,000 $49,000 $136,000
VA-guaranteed (Veterans Administration) 32 $5,908,000 $184,000 $417,000 $77,000 $181,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $328,000 $109,000 $138,000 $57,000 $79,000

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 4,620 $510,638,000 $110,000 $3,100,000 $81,000 $2,177,000
Application Denied By Financial Institution 337 $17,750,000 $52,000 $640,000 $54,000 $400,000
Application Approved But Not Accepted 248 $21,219,000 $85,000 $1,758,000 $72,000 $850,000
Loan Purchased By The Institution 209 $29,721,000 $142,000 $700,000 $80,000 $509,000
Application Withdrawn By Applicant 5 $607,000 $121,000 $260,000 $121,000 $400,000
File Closed For Incompleteness 2 $203,000 $101,000 $180,000 $81,000 $81,000
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 2006 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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