Renasant Bank Mortgage Lending & HMDA Data, 2008

In 2008, Renasant Bank of Johns Creek, GA reported 6,851 mortgage applications totaling $968.1 million, up 6% from 2007. The average application was for $141,306, and applicants reported an average income of $82,776. 79% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Birmingham-Hoover, AL (770), Huntsville, AL (536) and Nashville-Davidson--Murfreesboro--Franklin, TN (333) (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 6,851
Total Mortgage Loan Application Amount $968,093,000
Average Mortgage Loan Application Amount $141,306
Highest Mortgage Loan Application Amount $5,000,000
Average Applicant Income $82,776
Highest Applicant Income $7,876,000

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Act (HMDA) records Renasant Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Madison, Alabama 484 $ 88,415,000 $ 182,675 $ 91,000
Jefferson, Alabama 397 $ 67,580,000 $ 170,226 $ 89,000
Lee, Mississippi 382 $ 42,987,000 $ 112,531 $ 76,000
Davidson, Tennessee 229 $ 47,592,000 $ 207,825 $ 147,000
Shelby, Alabama 220 $ 44,401,000 $ 201,822 $ 85,000
Morgan, Alabama 201 $ 29,303,000 $ 145,786 $ 88,000
Pontotoc, Mississippi 182 $ 12,602,000 $ 69,241 $ 81,000
Monroe, Mississippi 178 $ 13,124,000 $ 73,730 $ 74,000
Grenada, Mississippi 176 $ 12,743,000 $ 72,403 $ 76,000
Winston, Mississippi 153 $ 9,719,000 $ 63,522 $ 66,000
Etowah, Alabama 139 $ 21,485,000 $ 154,568 $ 75,000
Alcorn, Mississippi 124 $ 8,750,000 $ 70,564 $ 67,000
Bossier, Louisiana 122 $ 20,495,000 $ 167,991 $ 72,000
DeSoto, Mississippi 121 $ 16,650,000 $ 137,603 $ 62,000
Caddo, Louisiana 116 $ 18,965,000 $ 163,491 $ 70,000
Shelby, Tennessee 114 $ 19,589,000 $ 171,833 $ 143,000
Yalobusha, Mississippi 113 $ 6,082,000 $ 53,823 $ 49,000
Union, Mississippi 99 $ 6,777,000 $ 68,454 $ 70,000
Rankin, Mississippi 97 $ 15,941,000 $ 164,340 $ 72,000
Tuscaloosa, Alabama 90 $ 15,505,000 $ 172,277 $ 93,000
Prentiss, Mississippi 89 $ 4,276,000 $ 48,044 $ 51,000
Tishomingo, Mississippi 89 $ 5,129,000 $ 57,629 $ 65,000
Pike, Mississippi 70 $ 9,148,000 $ 130,685 $ 57,000
Cullman, Alabama 69 $ 11,363,000 $ 164,681 $ 70,000
Pike, Alabama 69 $ 12,397,000 $ 179,666 $ 90,000
Lafayette, Mississippi 67 $ 11,343,000 $ 169,298 $ 101,000
Jackson, Alabama 65 $ 8,356,000 $ 128,553 $ 70,000
Mobile, Alabama 62 $ 7,612,000 $ 122,774 $ 51,000
St. Clair, Alabama 58 $ 10,702,000 $ 184,517 $ 81,000
Calcasieu, Louisiana 56 $ 7,322,000 $ 130,750 $ 61,000
Walker, Alabama 54 $ 6,016,000 $ 111,407 $ 57,000
Panola, Mississippi 53 $ 3,120,000 $ 58,867 $ 56,000
Limestone, Alabama 52 $ 11,143,000 $ 214,288 $ 105,000
Jackson, Mississippi 51 $ 8,487,000 $ 166,411 $ 90,000
Chickasaw, Mississippi 48 $ 2,271,000 $ 47,312 $ 61,000
Hinds, Mississippi 45 $ 10,167,000 $ 225,933 $ 86,000
Lawrence, Alabama 44 $ 5,711,000 $ 129,795 $ 62,000
Houston, Alabama 42 $ 7,087,000 $ 168,738 $ 78,000
Lafayette, Louisiana 41 $ 6,367,000 $ 155,292 $ 59,000
Harrison, Mississippi 41 $ 7,265,000 $ 177,195 $ 84,000
Neshoba, Mississippi 41 $ 5,421,000 $ 132,219 $ 83,000
East Baton Rouge, Louisiana 39 $ 6,702,000 $ 171,846 $ 81,000
Oktibbeha, Mississippi 39 $ 5,104,000 $ 130,871 $ 68,000
Marshall, Alabama 37 $ 5,948,000 $ 160,756 $ 86,000
Itawamba, Mississippi 37 $ 2,746,000 $ 74,216 $ 47,000
Montgomery, Mississippi 37 $ 1,850,000 $ 50,000 $ 61,000
Lee, Alabama 36 $ 8,591,000 $ 238,638 $ 127,000
Clay, Mississippi 35 $ 3,098,000 $ 88,514 $ 123,000
Copiah, Mississippi 35 $ 4,959,000 $ 141,685 $ 62,000
Lauderdale, Mississippi 35 $ 5,589,000 $ 159,685 $ 73,000
Colbert, Alabama 34 $ 4,591,000 $ 135,029 $ 55,000
Baldwin, Alabama 31 $ 8,114,000 $ 261,741 $ 187,000
Benton, Arkansas 30 $ 4,330,000 $ 144,333 $ 57,000
Coffee, Alabama 29 $ 3,955,000 $ 136,379 $ 63,000
Marion, Alabama 27 $ 2,391,000 $ 88,555 $ 64,000
Carroll, Mississippi 27 $ 2,799,000 $ 103,666 $ 75,000
Barbour, Alabama 26 $ 3,458,000 $ 133,000 $ 60,000
Simpson, Mississippi 26 $ 3,373,000 $ 129,730 $ 73,000
Williamson, Tennessee 26 $ 7,797,000 $ 299,884 $ 132,000
Blount, Alabama 25 $ 4,101,000 $ 164,040 $ 89,000
Pickens, Alabama 25 $ 2,841,000 $ 113,640 $ 62,000
Calhoun, Mississippi 25 $ 1,468,000 $ 58,720 $ 87,000
Montgomery, Alabama 24 $ 3,151,000 $ 131,291 $ 48,000
Lincoln, Mississippi 24 $ 3,730,000 $ 155,416 $ 80,000
Marion, Mississippi 22 $ 2,267,000 $ 103,045 $ 54,000
Maury, Tennessee 22 $ 4,647,000 $ 211,227 $ 75,000
Cleburne, Arkansas 21 $ 2,547,000 $ 121,285 $ 66,000
Madison, Mississippi 21 $ 4,800,000 $ 228,571 $ 88,000
Giles, Tennessee 21 $ 2,163,000 $ 103,000 $ 58,000
Lawrence, Tennessee 21 $ 1,599,000 $ 76,142 $ 35,000
Sumner, Tennessee 21 $ 5,338,000 $ 254,190 $ 130,000
Autauga, Alabama 20 $ 3,669,000 $ 183,450 $ 75,000
Elmore, Alabama 19 $ 3,481,000 $ 183,210 $ 75,000
Randolph, Alabama 19 $ 3,143,000 $ 165,421 $ 92,000
Natchitoches, Louisiana 19 $ 3,264,000 $ 171,789 $ 84,000
Ouachita, Louisiana 19 $ 2,900,000 $ 152,631 $ 63,000
Adams, Mississippi 19 $ 2,265,000 $ 119,210 $ 62,000
Wilson, Tennessee 19 $ 3,840,000 $ 202,105 $ 203,000
Livingston, Louisiana 17 $ 2,996,000 $ 176,235 $ 66,000
Attala, Mississippi 17 $ 1,507,000 $ 88,647 $ 77,000
Lowndes, Mississippi 17 $ 2,008,000 $ 118,117 $ 101,000
DeKalb, Alabama 16 $ 1,674,000 $ 104,625 $ 57,000
Lauderdale, Alabama 16 $ 1,847,000 $ 115,437 $ 51,000
Lamar, Mississippi 16 $ 3,233,000 $ 202,062 $ 83,000
Lewis, Tennessee 16 $ 1,566,000 $ 97,875 $ 49,000
Lamar, Alabama 15 $ 1,541,000 $ 102,733 $ 67,000
Winston, Alabama 15 $ 1,804,000 $ 120,266 $ 83,000
Madison, Tennessee 15 $ 2,316,000 $ 154,400 $ 109,000
McNairy, Tennessee 15 $ 1,351,000 $ 90,066 $ 53,000
Robertson, Tennessee 15 $ 2,963,000 $ 197,533 $ 83,000
Tallahatchie, Mississippi 14 $ 540,000 $ 38,571 $ 62,000
Ascension, Louisiana 13 $ 2,121,000 $ 163,153 $ 79,000
Amite, Mississippi 13 $ 1,400,000 $ 107,692 $ 40,000
Leake, Mississippi 13 $ 1,973,000 $ 151,769 $ 67,000
Bedford, Tennessee 13 $ 1,325,000 $ 101,923 $ 62,000
Calhoun, Alabama 12 $ 1,588,000 $ 132,333 $ 66,000
Choctaw, Alabama 12 $ 1,328,000 $ 110,666 $ 70,000
Franklin, Alabama 12 $ 1,273,000 $ 106,083 $ 43,000
Talladega, Alabama 12 $ 1,983,000 $ 165,250 $ 77,000
Webster, Louisiana 12 $ 1,276,000 $ 106,333 $ 53,000
Stone, Mississippi 12 $ 2,072,000 $ 172,666 $ 74,000
Gibson, Tennessee 12 $ 1,478,000 $ 123,166 $ 53,000
Hardin, Tennessee 12 $ 1,792,000 $ 149,333 $ 91,000
Rutherford, Tennessee 12 $ 2,167,000 $ 180,583 $ 83,000
Clarke, Alabama 11 $ 1,660,000 $ 150,909 $ 60,000
Newton, Mississippi 11 $ 1,844,000 $ 167,636 $ 87,000
St. Tammany, Louisiana 10 $ 2,017,000 $ 201,700 $ 78,000
Tippah, Mississippi 10 $ 696,000 $ 69,600 $ 95,000
Chilton, Alabama 9 $ 1,695,000 $ 188,333 $ 89,000
Henry, Alabama 9 $ 2,040,000 $ 226,666 $ 101,000
Early, Georgia 9 $ 997,000 $ 110,777 $ 80,000
Forrest, Mississippi 9 $ 1,650,000 $ 183,333 $ 72,000
Walthall, Mississippi 9 $ 1,238,000 $ 137,555 $ 65,000
Warren, Mississippi 9 $ 1,243,000 $ 138,111 $ 46,000
Escambia, Alabama 8 $ 1,263,000 $ 157,875 $ 110,000
Walton, Florida 8 $ 5,226,000 $ 653,250 $ 340,000
Tate, Mississippi 8 $ 1,273,000 $ 159,125 $ 102,000
Coffee, Tennessee 8 $ 990,000 $ 123,750 $ 66,000
Fayette, Tennessee 8 $ 2,097,000 $ 262,125 $ 80,000
Marshall, Tennessee 8 $ 815,000 $ 101,875 $ 54,000
Wayne, Tennessee 8 $ 802,000 $ 100,250 $ 44,000
Bowie, Texas 8 $ 1,609,000 $ 201,125 $ 100,000
Bibb, Alabama 7 $ 923,000 $ 131,857 $ 53,000
Butler, Alabama 7 $ 972,000 $ 138,857 $ 83,000
Geneva, Alabama 7 $ 1,557,000 $ 222,428 $ 215,000
Tallapoosa, Alabama 7 $ 2,101,000 $ 300,142 $ 179,000
Miller, Arkansas 7 $ 1,486,000 $ 212,285 $ 94,000
De Soto, Louisiana 7 $ 1,108,000 $ 158,285 $ 72,000
Union, Louisiana 7 $ 913,000 $ 130,428 $ 48,000
Marshall, Mississippi 7 $ 329,000 $ 47,000 $ 37,000
Henderson, Tennessee 7 $ 699,000 $ 99,857 $ 41,000
Cherokee, Alabama 6 $ 1,472,000 $ 245,333 $ 119,000
Covington, Alabama 6 $ 1,068,000 $ 178,000 $ 60,000
Washington, Alabama 6 $ 802,000 $ 133,666 $ 63,000
Hempstead, Arkansas 6 $ 736,000 $ 122,666 $ 215,000
Bibb, Georgia 6 $ 990,000 $ 165,000 $ 75,000
Acadia, Louisiana 6 $ 606,000 $ 101,000 $ 70,000
Vermilion, Louisiana 6 $ 658,000 $ 109,666 $ 63,000
Benton, Mississippi 6 $ 375,000 $ 62,500 $ 104,000
George, Mississippi 6 $ 766,000 $ 127,666 $ 55,000
Webster, Mississippi 6 $ 485,000 $ 80,833 $ 77,000
Knox, Tennessee 6 $ 3,379,000 $ 563,166 $ 88,000
Van Buren, Arkansas 5 $ 490,000 $ 98,000 $ 52,000
Bay, Florida 5 $ 1,299,000 $ 259,800 $ 127,000
Santa Rosa, Florida 5 $ 948,000 $ 189,600 $ 42,000
Iberia, Louisiana 5 $ 706,000 $ 141,200 $ 46,000
Lincoln, Louisiana 5 $ 789,000 $ 157,800 $ 73,000
Rapides, Louisiana 5 $ 810,000 $ 162,000 $ 62,000
Choctaw, Mississippi 5 $ 324,000 $ 64,800 $ 58,000
Covington, Mississippi 5 $ 562,000 $ 112,400 $ 52,000
Jones, Mississippi 5 $ 965,000 $ 193,000 $ 89,000
Union, North Carolina 5 $ 1,310,000 $ 262,000 $ 85,000
Lincoln, Tennessee 5 $ 594,000 $ 118,800 $ 62,000
Montgomery, Tennessee 5 $ 602,000 $ 120,400 $ 60,000
Tipton, Tennessee 5 $ 640,000 $ 128,000 $ 48,000
Crenshaw, Alabama 4 $ 564,000 $ 141,000 $ 53,000
Dale, Alabama 4 $ 484,000 $ 121,000 $ 40,000
Fayette, Alabama 4 $ 521,000 $ 130,250 $ 69,000
Hillsborough, Florida 4 $ 498,000 $ 124,500 $ 38,000
Jefferson Davis, Louisiana 4 $ 498,000 $ 124,500 $ 87,000
St. Martin, Louisiana 4 $ 471,000 $ 117,750 $ 44,000
Franklin, Mississippi 4 $ 353,000 $ 88,250 $ 75,000
Hancock, Mississippi 4 $ 576,000 $ 144,000 $ 126,000
Holmes, Mississippi 4 $ 379,000 $ 94,750 $ 57,000
Kemper, Mississippi 4 $ 412,000 $ 103,000 $ 79,000
Cheatham, Tennessee 4 $ 979,000 $ 244,750 $ 57,000
Decatur, Tennessee 4 $ 303,000 $ 75,750 $ 56,000
Dickson, Tennessee 4 $ 538,000 $ 134,500 $ 171,000
Chambers, Alabama 3 $ 611,000 $ 203,666 $ 94,000
Hale, Alabama 3 $ 377,000 $ 125,666 $ 51,000
Sumter, Alabama 3 $ 401,000 $ 133,666 $ 177,000
St. Landry, Louisiana 3 $ 382,000 $ 127,333 $ 55,000
Clarke, Mississippi 3 $ 553,000 $ 184,333 $ 80,000
Jefferson Davis, Mississippi 3 $ 277,000 $ 92,333 $ 31,000
Washington, Mississippi 3 $ 394,000 $ 131,333 $ 91,000
Mecklenburg, North Carolina 3 $ 369,000 $ 123,000 $ 63,000
Cannon, Tennessee 3 $ 527,000 $ 175,666 $ 80,000
Hamilton, Tennessee 3 $ 322,000 $ 107,333 $ 82,000
Coosa, Alabama 2 $ 812,000 $ 406,000 $ 173,000
Greene, Alabama 2 $ 370,000 $ 185,000 $ 136,000
Marengo, Alabama 2 $ 133,000 $ 66,500 $ 38,000
Craighead, Arkansas 2 $ 218,000 $ 109,000 $ 65,000
Greene, Arkansas 2 $ 254,000 $ 127,000 $ 80,000
White, Arkansas 2 $ 142,000 $ 71,000 $ 27,000
Okaloosa, Florida 2 $ 732,000 $ 366,000 $ 622,000
Calhoun, Georgia 2 $ 125,000 $ 62,500 $ 89,000
Coweta, Georgia 2 $ 297,000 $ 148,500 $ 60,000
Houston, Georgia 2 $ 461,000 $ 230,500 $ 117,000
Miller, Georgia 2 $ 167,000 $ 83,500 $ 38,000
Jefferson, Louisiana 2 $ 162,000 $ 81,000 $ 39,000
St. Mary, Louisiana 2 $ 198,000 $ 99,000 $ 63,000
Greene, Mississippi 2 $ 265,000 $ 132,500 $ 65,000
Lawrence, Mississippi 2 $ 280,000 $ 140,000 $ 69,000
Noxubee, Mississippi 2 $ 136,000 $ 68,000 $ 76,000
Scott, Mississippi 2 $ 163,000 $ 81,500 $ 69,000
Smith, Mississippi 2 $ 219,000 $ 109,500 $ 46,000
Taos, New Mexico 2 $ 679,000 $ 339,500 $ 221,000
Catawba, North Carolina 2 $ 223,000 $ 111,500 $ 49,000
DeKalb, Tennessee 2 $ 545,000 $ 272,500 $ 800,000
Hardeman, Tennessee 2 $ 89,000 $ 44,500 $ 164,000
Humphreys, Tennessee 2 $ 283,000 $ 141,500 $ 51,000
Clay, Alabama 1 $ 226,000 $ 226,000 $ 148,000
Conecuh, Alabama 1 $ 75,000 $ 75,000 $ 47,000
Wilcox, Alabama 1 $ 89,000 $ 89,000 $ 24,000
Ashley, Arkansas 1 $ 188,000 $ 188,000 $ 57,000
Chicot, Arkansas 1 $ 150,000 $ 150,000 $ 0
Faulkner, Arkansas 1 $ 82,000 $ 82,000 $ 32,000
Mississippi, Arkansas 1 $ 93,000 $ 93,000 $ 91,000
Sevier, Arkansas 1 $ 138,000 $ 138,000 $ 46,000
St. Francis, Arkansas 1 $ 207,000 $ 207,000 $ 103,000
Stone, Arkansas 1 $ 70,000 $ 70,000 $ 33,000
Broward, Florida 1 $ 203,000 $ 203,000 $ 54,000
Escambia, Florida 1 $ 521,000 $ 521,000 $ 0
Sarasota, Florida 1 $ 146,000 $ 146,000 $ 62,000
Cobb, Georgia 1 $ 186,000 $ 186,000 $ 75,000
Floyd, Georgia 1 $ 254,000 $ 254,000 $ 108,000
Lamar, Georgia 1 $ 155,000 $ 155,000 $ 41,000
Lee, Georgia 1 $ 150,000 $ 150,000 $ 43,000
Monroe, Georgia 1 $ 546,000 $ 546,000 $ 184,000
Quitman, Georgia 1 $ 110,000 $ 110,000 $ 22,000
Fayette, Kentucky 1 $ 166,000 $ 166,000 $ 53,000
Beauregard, Louisiana 1 $ 136,000 $ 136,000 $ 46,000
Bienville, Louisiana 1 $ 61,000 $ 61,000 $ 45,000
Claiborne, Louisiana 1 $ 208,000 $ 208,000 $ 120,000
Concordia, Louisiana 1 $ 45,000 $ 45,000 $ 50,000
East Feliciana, Louisiana 1 $ 168,000 $ 168,000 $ 56,000
Evangeline, Louisiana 1 $ 144,000 $ 144,000 $ 106,000
Jackson, Louisiana 1 $ 79,000 $ 79,000 $ 92,000
Lafourche, Louisiana 1 $ 233,000 $ 233,000 $ 93,000
Morehouse, Louisiana 1 $ 110,000 $ 110,000 $ 40,000
Orleans, Louisiana 1 $ 559,000 $ 559,000 $ 263,000
Richland, Louisiana 1 $ 130,000 $ 130,000 $ 43,000
Vernon, Louisiana 1 $ 120,000 $ 120,000 $ 88,000
Washington, Louisiana 1 $ 120,000 $ 120,000 $ 27,000
West Baton Rouge, Louisiana 1 $ 155,000 $ 155,000 $ 100,000
West Feliciana, Louisiana 1 $ 100,000 $ 100,000 $ 89,000
Coahoma, Mississippi 1 $ 66,000 $ 66,000 $ 36,000
Leflore, Mississippi 1 $ 42,000 $ 42,000 $ 77,000
Quitman, Mississippi 1 $ 38,000 $ 38,000 $ 36,000
Wilkinson, Mississippi 1 $ 268,000 $ 268,000 $ 99,000
Gallatin, Montana 1 $ 5,000,000 $ 5,000,000 $ 7,876,000
Alexander, North Carolina 1 $ 52,000 $ 52,000 $ 20,000
Cabarrus, North Carolina 1 $ 309,000 $ 309,000 $ 87,000
Davidson, North Carolina 1 $ 417,000 $ 417,000 $ 217,000
Guilford, North Carolina 1 $ 226,000 $ 226,000 $ 0
Iredell, North Carolina 1 $ 143,000 $ 143,000 $ 35,000
Randolph, North Carolina 1 $ 87,000 $ 87,000 $ 40,000
Stokes, North Carolina 1 $ 152,000 $ 152,000 $ 38,000
Surry, North Carolina 1 $ 173,000 $ 173,000 $ 65,000
Greene, Ohio 1 $ 87,000 $ 87,000 $ 116,000
Allegheny, Pennsylvania 1 $ 394,000 $ 394,000 $ 120,000
Barnwell, South Carolina 1 $ 65,000 $ 65,000 $ 72,000
Greenville, South Carolina 1 $ 266,000 $ 266,000 $ 63,000
Bledsoe, Tennessee 1 $ 121,000 $ 121,000 $ 53,000
Blount, Tennessee 1 $ 116,000 $ 116,000 $ 47,000
Bradley, Tennessee 1 $ 108,000 $ 108,000 $ 68,000
Chester, Tennessee 1 $ 109,000 $ 109,000 $ 54,000
Dyer, Tennessee 1 $ 73,000 $ 73,000 $ 161,000
Franklin, Tennessee 1 $ 128,000 $ 128,000 $ 46,000
Grundy, Tennessee 1 $ 74,000 $ 74,000 $ 270,000
Haywood, Tennessee 1 $ 102,000 $ 102,000 $ 41,000
Marion, Tennessee 1 $ 110,000 $ 110,000 $ 113,000
Obion, Tennessee 1 $ 48,000 $ 48,000 $ 8,000
Perry, Tennessee 1 $ 82,000 $ 82,000 $ 56,000
Sevier, Tennessee 1 $ 270,000 $ 270,000 $ 72,000
Warren, Tennessee 1 $ 96,000 $ 96,000 $ 49,000
Weakley, Tennessee 1 $ 264,000 $ 264,000 $ 133,000
Bell, Texas 1 $ 82,000 $ 82,000 $ 30,000
Fort Bend, Texas 1 $ 309,000 $ 309,000 $ 200,000
Harris, Texas 1 $ 378,000 $ 378,000 $ 83,000
Dinwiddie, Virginia 1 $ 215,000 $ 215,000 $ 70,000

Mortgage Loan Application Detail Totals for Renasant Bank in 2008

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 3,413 $503,647,000 $147,000 $2,224,000 $79,000 $1,683,000
Refinancing 3,166 $452,946,000 $143,000 $5,000,000 $87,000 $7,876,000
Home Improvement 272 $11,500,000 $42,000 $720,000 $81,000 $3,476,000

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 5,678 $819,825,000 $144,000 $5,000,000 $88,000 $7,876,000
Black or African American 765 $77,218,000 $100,000 $800,000 $63,000 $3,476,000
Not applicable 167 $33,731,000 $201,000 $2,500,000 $0 $0
Not Provided 107 $15,652,000 $146,000 $392,000 $63,000 $172,000
Hispanic 64 $8,176,000 $127,000 $680,000 $67,000 $304,000
Asian 62 $12,188,000 $196,000 $960,000 $103,000 $1,647,000
American Indian or Alaskan Native 5 $652,000 $130,000 $198,000 $71,000 $121,000
Native Hawaiian or Other Pacific Islander 3 $651,000 $217,000 $417,000 $116,000 $220,000

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) 5,255 $757,153,000 $144,000 $5,000,000 $91,000 $7,876,000
FHA-insured (Federal Housing Administration) 1,111 $143,545,000 $129,000 $343,000 $56,000 $643,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 305 $35,261,000 $115,000 $232,000 $43,000 $88,000
VA-guaranteed (Veterans Administration) 180 $32,134,000 $178,000 $417,000 $66,000 $187,000

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 5,387 $776,207,000 $144,000 $5,000,000 $86,000 $7,876,000
Loan Purchased By The Institution 569 $88,154,000 $154,000 $590,000 $76,000 $665,000
Application Denied By Financial Institution 490 $52,498,000 $107,000 $1,820,000 $64,000 $1,278,000
Application Approved But Not Accepted 336 $38,539,000 $114,000 $1,500,000 $67,000 $600,000
Application Withdrawn By Applicant 67 $12,394,000 $184,000 $1,000,000 $101,000 $1,245,000
File Closed For Incompleteness 2 $301,000 $150,000 $266,000 $250,000 $480,000
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 2008 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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