Renasant Bank Mortgage Lending & HMDA Data, 2018

In 2018, Renasant Bank of Johns Creek, GA reported 16,979 mortgage applications totaling $3.1 billion, up 28% from 2017. The average application was for $184,154, and applicants reported an average income of $121,124. 79% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (1,823), Birmingham-Hoover, AL (1,295) and Nashville-Davidson--Murfreesboro--Franklin, TN (1,279) (applications in parentheses).

Mortgage Company & Address Renasant Bank

Johns Creek, GA 30097
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 16,979
Total Mortgage Loan Application Amount $3,126,765,000
Average Mortgage Loan Application Amount $184,154
Highest Mortgage Loan Application Amount $4,505,000
Average Applicant Income $121,124
Highest Applicant Income $9,785,000

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Act (HMDA) records Renasant Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2018

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 4,908 $ 647,150,000 $ 131,856 $ 100,725
Atlanta-Sandy Springs-Roswell, GA 1,823 $ 439,675,000 $ 241,182 $ 136,000
Birmingham-Hoover, AL 1,295 $ 258,425,000 $ 199,555 $ 105,000
Nashville-Davidson--Murfreesboro--Franklin, TN 1,279 $ 309,975,000 $ 242,357 $ 165,000
Jackson, MS 957 $ 170,705,000 $ 178,375 $ 120,000
Memphis, TN-MS-AR 911 $ 158,405,000 $ 173,880 $ 159,060
Columbus, GA-AL 466 $ 81,070,000 $ 173,969 $ 79,167
Auburn-Opelika, AL 393 $ 86,535,000 $ 220,190 $ 118,000
Dothan, AL 268 $ 47,850,000 $ 178,544 $ 84,000
Decatur, AL 264 $ 36,310,000 $ 137,537 $ 99,000
Crestview-Fort Walton Beach-Destin, FL 262 $ 89,970,000 $ 343,396 $ 273,000
Montgomery, AL 246 $ 45,780,000 $ 186,097 $ 115,000
Albany, GA 237 $ 23,585,000 $ 99,514 $ 124,000
Charleston-North Charleston, SC 218 $ 69,760,000 $ 320,000 $ 145,000
Jacksonville, FL 213 $ 47,705,000 $ 223,967 $ 122,000
Huntsville, AL 202 $ 38,280,000 $ 189,504 $ 121,000
Mobile, AL 202 $ 39,630,000 $ 196,188 $ 143,000
Tuscaloosa, AL 192 $ 36,650,000 $ 190,885 $ 106,000
Gadsden, AL 155 $ 21,425,000 $ 138,225 $ 59,000
Panama City, FL 152 $ 32,380,000 $ 213,026 $ 190,000
Lynchburg, VA 149 $ 28,255,000 $ 189,630 $ 86,000
Macon-Bibb County, GA 146 $ 27,440,000 $ 187,945 $ 184,000
Valdosta, GA 132 $ 21,120,000 $ 160,000 $ 128,000
Knoxville, TN 121 $ 21,075,000 $ 174,173 $ 122,000
Florence-Muscle Shoals, AL 113 $ 18,235,000 $ 161,371 $ 78,000
Savannah, GA 112 $ 15,380,000 $ 137,321 $ 79,000
Ocala, FL 110 $ 14,680,000 $ 133,454 $ 72,000
Johnson City, TN 103 $ 12,335,000 $ 119,757 $ 115,000
Daphne-Fairhope-Foley, AL 94 $ 23,970,000 $ 255,000 $ 127,000
Roanoke, VA 89 $ 17,735,000 $ 199,269 $ 91,000
Anniston-Oxford-Jacksonville, AL 82 $ 12,970,000 $ 158,170 $ 84,000
Kingsport-Bristol-Bristol, TN-VA 56 $ 9,290,000 $ 165,892 $ 110,428
Chattanooga, TN-GA 47 $ 10,405,000 $ 221,382 $ 106,382
Winston-Salem, NC 47 $ 11,355,000 $ 241,595 $ 139,000
Greenville, NC 39 $ 6,765,000 $ 173,461 $ 96,000
Wilmington, NC 39 $ 11,275,000 $ 289,102 $ 179,000
Gainesville, FL 37 $ 5,095,000 $ 137,702 $ 138,000
Brunswick, GA 36 $ 6,730,000 $ 186,944 $ 81,000
Hickory-Lenoir-Morganton, NC 33 $ 5,815,000 $ 176,212 $ 82,000
Greensboro-High Point, NC 31 $ 7,495,000 $ 241,774 $ 93,000
Raleigh, NC 30 $ 6,230,000 $ 207,666 $ 132,000
Pensacola-Ferry Pass-Brent, FL 25 $ 6,995,000 $ 279,800 $ 201,000
Jacksonville, NC 24 $ 6,740,000 $ 280,833 $ 136,000
Deltona-Daytona Beach-Ormond Beach, FL 22 $ 4,910,000 $ 223,181 $ 83,000
Charlotte-Concord-Gastonia, NC-SC 21 $ 5,515,000 $ 262,619 $ 171,714
Lafayette, LA 21 $ 4,105,000 $ 195,476 $ 69,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 21 $ 5,115,000 $ 243,571 $ 284,000
Warner Robins, GA 19 $ 3,535,000 $ 186,052 $ 82,000
Jackson, TN 17 $ 1,435,000 $ 84,411 $ 87,000
Gulfport-Biloxi-Pascagoula, MS 15 $ 2,725,000 $ 181,666 $ 79,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 15 $ 4,485,000 $ 299,000 $ 100,000
Blacksburg-Christiansburg-Radford, VA 14 $ 2,520,000 $ 180,000 $ 78,000
Gainesville, GA 14 $ 3,100,000 $ 221,428 $ 128,000
Phoenix-Mesa-Scottsdale, AZ 13 $ 2,885,000 $ 221,923 $ 125,000
Hattiesburg, MS 12 $ 2,030,000 $ 169,166 $ 114,000
Hilton Head Island-Bluffton-Beaufort, SC 11 $ 2,745,000 $ 249,545 $ 119,000
St. Louis, MO-IL 11 $ 2,975,000 $ 270,454 $ 135,000
Warren-Troy-Farmington Hills, MI 11 $ 2,505,000 $ 227,727 $ 90,000
Asheville, NC 10 $ 2,040,000 $ 204,000 $ 84,000
Clarksville, TN-KY 10 $ 1,670,000 $ 167,000 $ 75,100
Dallas-Plano-Irving, TX 10 $ 3,630,000 $ 363,000 $ 115,000
Goldsboro, NC 10 $ 1,980,000 $ 198,000 $ 108,000
Indianapolis-Carmel-Anderson, IN 10 $ 1,620,000 $ 162,000 $ 107,000
Greenville-Anderson-Mauldin, SC 9 $ 2,555,000 $ 283,888 $ 230,000
Houston-The Woodlands-Sugar Land, TX 9 $ 2,215,000 $ 246,111 $ 94,000
Minneapolis-St. Paul-Bloomington, MN-WI 9 $ 2,295,000 $ 255,000 $ 104,000
Orlando-Kissimmee-Sanford, FL 9 $ 2,065,000 $ 229,444 $ 229,000
Rome, GA 9 $ 1,245,000 $ 138,333 $ 46,000
Athens-Clarke County, GA 8 $ 1,330,000 $ 166,250 $ 99,000
Hinesville, GA 8 $ 980,000 $ 122,500 $ 78,000
Tampa-St. Petersburg-Clearwater, FL 8 $ 1,780,000 $ 222,500 $ 120,000
Albuquerque, NM 7 $ 1,605,000 $ 229,285 $ 121,000
West Palm Beach-Boca Raton-Delray Beach, FL 7 $ 1,335,000 $ 190,714 $ 90,000
Augusta-Richmond County, GA-SC 6 $ 1,120,000 $ 186,666 $ 86,333
Baton Rouge, LA 6 $ 1,310,000 $ 218,333 $ 123,000
Charlottesville, VA 6 $ 2,050,000 $ 341,666 $ 193,000
Columbus, OH 6 $ 1,420,000 $ 236,666 $ 96,000
Dayton, OH 6 $ 1,340,000 $ 223,333 $ 165,000
Denver-Aurora-Lakewood, CO 6 $ 2,260,000 $ 376,666 $ 99,000
Fayetteville-Springdale-Rogers, AR-MO 6 $ 1,430,000 $ 238,333 $ 117,000
Las Vegas-Henderson-Paradise, NV 6 $ 1,320,000 $ 220,000 $ 98,000
Louisville/Jefferson County, KY-IN 6 $ 1,430,000 $ 238,333 $ 110,666
Miami-Miami Beach-Kendall, FL 6 $ 1,110,000 $ 185,000 $ 113,000
New Orleans-Metairie, LA 6 $ 1,270,000 $ 211,666 $ 125,000
Tallahassee, FL 6 $ 1,180,000 $ 196,666 $ 82,000
Cleveland, TN 5 $ 875,000 $ 175,000 $ 74,000
Dalton, GA 5 $ 655,000 $ 131,000 $ 58,000
Fayetteville, NC 5 $ 835,000 $ 167,000 $ 133,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 5 $ 1,415,000 $ 283,000 $ 171,000
Kansas City, MO-KS 5 $ 865,000 $ 173,000 $ 96,000
Cincinnati, OH-KY-IN 4 $ 860,000 $ 215,000 $ 157,500
Cleveland-Elyria, OH 4 $ 510,000 $ 127,500 $ 63,000
Durham-Chapel Hill, NC 4 $ 910,000 $ 227,500 $ 104,000
Morristown, TN 4 $ 490,000 $ 122,500 $ 166,000
New Bern, NC 4 $ 860,000 $ 215,000 $ 135,000
North Port-Sarasota-Bradenton, FL 4 $ 1,220,000 $ 305,000 $ 177,000
Oklahoma City, OK 4 $ 1,050,000 $ 262,500 $ 151,000
Salt Lake City, UT 4 $ 1,290,000 $ 322,500 $ 116,000
Tulsa, OK 4 $ 720,000 $ 180,000 $ 102,000
Virginia Beach-Norfolk-Newport News, VA-NC 4 $ 1,200,000 $ 300,000 $ 104,000
Detroit-Dearborn-Livonia, MI 3 $ 505,000 $ 168,333 $ 110,000
Fort Worth-Arlington, TX 3 $ 495,000 $ 165,000 $ 181,000
Gary, IN 3 $ 935,000 $ 311,666 $ 474,000
Grand Rapids-Wyoming, MI 3 $ 1,145,000 $ 381,666 $ 309,000
Harrisonburg, VA 3 $ 605,000 $ 201,666 $ 181,000
Huntington-Ashland, WV-KY-OH 3 $ 465,000 $ 155,000 $ 52,666
Lexington-Fayette, KY 3 $ 495,000 $ 165,000 $ 83,000
Ogden-Clearfield, UT 3 $ 835,000 $ 278,333 $ 164,000
Port St. Lucie, FL 3 $ 935,000 $ 311,666 $ 175,000
Richmond, VA 3 $ 715,000 $ 238,333 $ 113,000
Santa Fe, NM 3 $ 655,000 $ 218,333 $ 129,000
Shreveport-Bossier City, LA 3 $ 575,000 $ 191,666 $ 60,000
Spartanburg, SC 3 $ 2,905,000 $ 968,333 $ 102,000
The Villages, FL 3 $ 555,000 $ 185,000 $ 265,000
Akron, OH 2 $ 470,000 $ 235,000 $ 123,000
Ann Arbor, MI 2 $ 570,000 $ 285,000 $ 85,000
Austin-Round Rock, TX 2 $ 800,000 $ 400,000 $ 117,000
Boise City, ID 2 $ 440,000 $ 220,000 $ 74,000
Colorado Springs, CO 2 $ 860,000 $ 430,000 $ 98,000
Columbia, SC 2 $ 260,000 $ 130,000 $ 133,000
Homosassa Springs, FL 2 $ 410,000 $ 205,000 $ 66,000
Lake Charles, LA 2 $ 220,000 $ 110,000 $ 100,000
Lincoln, NE 2 $ 530,000 $ 265,000 $ 133,000
Little Rock-North Little Rock-Conway, AR 2 $ 110,000 $ 55,000 $ 157,000
Naples-Immokalee-Marco Island, FL 2 $ 290,000 $ 145,000 $ 260,000
Provo-Orem, UT 2 $ 420,000 $ 210,000 $ 50,000
Reno, NV 2 $ 390,000 $ 195,000 $ 134,000
Rocky Mount, NC 2 $ 250,000 $ 125,000 $ 64,000
Sebring, FL 2 $ 250,000 $ 125,000 $ 86,000
Springfield, MO 2 $ 400,000 $ 200,000 $ 87,000
Toledo, OH 2 $ 410,000 $ 205,000 $ 87,000
Tucson, AZ 2 $ 480,000 $ 240,000 $ 150,000
Alexandria, LA 1 $ 175,000 $ 175,000 $ 129,000
Billings, MT 1 $ 225,000 $ 225,000 $ 80,000
Bowling Green, KY 1 $ 245,000 $ 245,000 $ 118,000
Burlington, NC 1 $ 185,000 $ 185,000 $ 115,000
Coeur D'Alene, ID 1 $ 175,000 $ 175,000 $ 44,000
Columbia, MO 1 $ 165,000 $ 165,000 $ 83,000
Corpus Christi, TX 1 $ 285,000 $ 285,000 $ 134,000
Flint, MI 1 $ 285,000 $ 285,000 $ 263,000
Fort Wayne, IN 1 $ 185,000 $ 185,000 $ 117,000
Great Falls, MT 1 $ 205,000 $ 205,000 $ 99,000
Jackson, MI 1 $ 285,000 $ 285,000 $ 172,000
Jonesboro, AR 1 $ 95,000 $ 95,000 $ 606,000
Joplin, MO 1 $ 155,000 $ 155,000 $ 28,000
Lake Havasu City-Kingman, AZ 1 $ 325,000 $ 325,000 $ 113,000
Lakeland-Winter Haven, FL 1 $ 575,000 $ 575,000 $ 575,000
Lansing-East Lansing, MI 1 $ 195,000 $ 195,000 $ 89,000
Las Cruces, NM 1 $ 185,000 $ 185,000 $ 55,000
Logan, UT-ID 1 $ 135,000 $ 135,000 $ 81,000
Longview, TX 1 $ 215,000 $ 215,000 $ 74,000
Lubbock, TX 1 $ 175,000 $ 175,000 $ 60,000
Mansfield, OH 1 $ 345,000 $ 345,000 $ 246,000
Monroe, LA 1 $ 55,000 $ 55,000 $ 50,000
Morgantown, WV 1 $ 215,000 $ 215,000 $ 183,000
Muskegon, MI 1 $ 325,000 $ 325,000 $ 184,000
Owensboro, KY 1 $ 165,000 $ 165,000 $ 180,000
Pine Bluff, AR 1 $ 165,000 $ 165,000 $ 87,000
Rochester, MN 1 $ 215,000 $ 215,000 $ 54,000
South Bend-Mishawaka, IN-MI 1 $ 55,000 $ 55,000 $ 48,000
St. Cloud, MN 1 $ 125,000 $ 125,000 $ 88,000
St. George, UT 1 $ 65,000 $ 65,000 $ 132,000
Staunton-Waynesboro, VA 1 $ 175,000 $ 175,000 $ 125,000
Twin Falls, ID 1 $ 315,000 $ 315,000 $ 63,000
Wichita, KS 1 $ 175,000 $ 175,000 $ 165,000

Mortgage Loan Application Detail Totals for Renasant Bank in 2018

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 10,338 $2,128,100,000 $205,000 $2,905,000 $112,000 $4,836,000
Refinancing 2,921 $503,085,000 $172,000 $4,505,000 $137,000 $9,785,000
Cash-out Refinancing 1,894 $351,710,000 $185,000 $3,005,000 $126,000 $2,303,000
Other Purpose 1,213 $96,965,000 $79,000 $1,005,000 $143,000 $1,429,000
Home Improvement 613 $46,905,000 $76,000 $2,345,000 $141,000 $4,197,000
Not Applicable 0 $0 $0 $0 $0 $0

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 12,373 $2,294,655,000 $185,000 $3,005,000 $125,000 $9,785,000
Not Provided 1,758 $335,740,000 $190,000 $1,845,000 $137,000 $7,525,000
Black or African American 1,755 $256,555,000 $146,000 $1,145,000 $75,000 $1,131,000
Not applicable 475 $103,465,000 $217,000 $4,505,000 $0 $0
Hispanic 280 $49,440,000 $176,000 $875,000 $88,000 $800,000
Asian 256 $67,350,000 $263,000 $2,475,000 $143,000 $2,791,000
American Indian or Alaskan Native 34 $7,480,000 $220,000 $875,000 $145,000 $703,000
Native Hawaiian or Other Pacific Islander 9 $2,055,000 $228,000 $455,000 $64,000 $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) 13,935 $2,611,405,000 $187,000 $4,505,000 $133,000 $9,785,000
FHA-insured (Federal Housing Administration) 1,569 $256,845,000 $163,000 $525,000 $66,000 $701,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 753 $97,145,000 $129,000 $415,000 $47,000 $114,000
VA-guaranteed (Veterans Administration) 722 $161,370,000 $223,000 $975,000 $86,000 $572,000

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 13,472 $2,477,530,000 $183,000 $4,505,000 $125,000 $9,785,000
Application Withdrawn By Applicant 1,447 $283,505,000 $195,000 $3,005,000 $117,000 $7,525,000
Application Denied By Financial Institution 925 $125,315,000 $135,000 $1,425,000 $77,000 $1,260,000
Application Approved But Not Accepted 666 $133,990,000 $201,000 $1,635,000 $106,000 $1,497,000
File Closed For Incompleteness 452 $101,100,000 $223,000 $2,515,000 $127,000 $2,751,000
Loan Purchased By The Institution 17 $5,325,000 $313,000 $455,000 $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
Not applicable 16,054 $3,001,450,000 $186,000 $4,505,000 $123,000 $9,785,000
Credit History 379 $36,385,000 $96,000 $1,025,000 $75,000 $1,260,000
Debt-To-Income Ratio 219 $38,705,000 $176,000 $1,425,000 $69,000 $1,040,000
Collateral 133 $16,765,000 $126,000 $615,000 $96,000 $571,000
Other 93 $14,975,000 $161,000 $875,000 $77,000 $373,000
Unverifiable Information 32 $5,730,000 $179,000 $435,000 $85,000 $204,000
Insufficient Cash (Downpayment, Closing Cost) 31 $4,625,000 $149,000 $425,000 $66,000 $234,000
Employment History 27 $4,945,000 $183,000 $445,000 $66,000 $165,000
Credit Application Incomplete 10 $3,110,000 $311,000 $905,000 $159,000 $510,000
Mortgage Insurance Denied 1 $75,000 $75,000 $75,000 $32,000 $32,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Renasant Bank's 2018 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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