Renasant Bank Mortgage Lending & HMDA Data, 2024
In 2024, Renasant Bank of Johns Creek, GA reported 10,267 mortgage applications totaling $2.7 billion, down 4% from 2023. The average application was for $262,248, and applicants reported an average income of $150,935. 72% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (848), Birmingham-Hoover, AL (574) and Memphis, TN-MS-AR (572) (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 | 10,267 |
| Total Mortgage Loan Application Amount | $2,692,505,000 |
| Average Mortgage Loan Application Amount | $262,248 |
| Highest Mortgage Loan Application Amount | $16,895,000 |
| Average Applicant Income | $150,935 |
| Highest Applicant Income | $7,313,000 |
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Act (HMDA) records Renasant Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,377 | $ 686,645,000 | $ 203,329 | $ 122,899 |
| Atlanta-Sandy Springs-Roswell, GA | 848 | $ 275,380,000 | $ 324,740 | $ 189,000 |
| Birmingham-Hoover, AL | 574 | $ 161,760,000 | $ 281,811 | $ 157,000 |
| Memphis, TN-MS-AR | 572 | $ 121,080,000 | $ 211,678 | $ 156,246 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 496 | $ 182,730,000 | $ 368,407 | $ 237,000 |
| Jackson, MS | 417 | $ 77,455,000 | $ 185,743 | $ 143,000 |
| Montgomery, AL | 367 | $ 79,285,000 | $ 216,035 | $ 108,000 |
| Marietta, GA | 252 | $ 75,980,000 | $ 301,507 | $ 170,000 |
| Charleston-North Charleston, SC | 224 | $ 119,630,000 | $ 534,062 | $ 211,000 |
| Huntsville, AL | 160 | $ 54,820,000 | $ 342,625 | $ 167,000 |
| Auburn-Opelika, AL | 144 | $ 49,530,000 | $ 343,958 | $ 187,000 |
| Savannah, GA | 127 | $ 32,835,000 | $ 258,543 | $ 132,000 |
| Columbia, SC | 117 | $ 30,825,000 | $ 263,461 | $ 101,000 |
| Greenville-Anderson-Mauldin, SC | 116 | $ 35,310,000 | $ 304,396 | $ 105,000 |
| Jacksonville, FL | 116 | $ 49,710,000 | $ 428,534 | $ 335,000 |
| Mobile, AL | 112 | $ 22,980,000 | $ 205,178 | $ 134,000 |
| Decatur, AL | 111 | $ 20,625,000 | $ 185,810 | $ 118,000 |
| Macon-Bibb County, GA | 109 | $ 51,845,000 | $ 475,642 | $ 220,000 |
| Florence-Muscle Shoals, AL | 108 | $ 25,280,000 | $ 234,074 | $ 133,000 |
| Gadsden, AL | 103 | $ 19,975,000 | $ 193,932 | $ 81,000 |
| Albany, GA | 99 | $ 14,305,000 | $ 144,494 | $ 97,000 |
| Tuscaloosa, AL | 82 | $ 23,880,000 | $ 291,219 | $ 240,000 |
| Knoxville, TN | 81 | $ 21,675,000 | $ 267,592 | $ 171,000 |
| Valdosta, GA | 77 | $ 11,865,000 | $ 154,090 | $ 134,000 |
| Greensboro-High Point, NC | 76 | $ 18,090,000 | $ 238,026 | $ 103,000 |
| Columbus, GA-AL | 74 | $ 17,240,000 | $ 232,972 | $ 124,297 |
| Crestview-Fort Walton Beach-Destin, FL | 74 | $ 33,410,000 | $ 451,486 | $ 317,000 |
| Kingsport-Bristol-Bristol, TN-VA | 67 | $ 13,335,000 | $ 199,029 | $ 176,402 |
| Chattanooga, TN-GA | 60 | $ 18,100,000 | $ 301,666 | $ 131,600 |
| Clarksville, TN-KY | 59 | $ 13,735,000 | $ 232,796 | $ 99,474 |
| Dothan, AL | 56 | $ 12,500,000 | $ 223,214 | $ 85,000 |
| Charlotte-Concord-Gastonia, NC-SC | 55 | $ 16,555,000 | $ 301,000 | $ 108,418 |
| Hickory-Lenoir-Morganton, NC | 50 | $ 13,700,000 | $ 274,000 | $ 122,000 |
| Spartanburg, SC | 50 | $ 13,050,000 | $ 261,000 | $ 96,000 |
| Johnson City, TN | 49 | $ 11,735,000 | $ 239,489 | $ 160,000 |
| Pensacola-Ferry Pass-Brent, FL | 48 | $ 24,740,000 | $ 515,416 | $ 264,000 |
| Blacksburg-Christiansburg-Radford, VA | 45 | $ 12,485,000 | $ 277,444 | $ 109,000 |
| Lynchburg, VA | 45 | $ 11,755,000 | $ 261,222 | $ 99,000 |
| Dalton, GA | 39 | $ 10,865,000 | $ 278,589 | $ 121,000 |
| Rome, GA | 39 | $ 7,885,000 | $ 202,179 | $ 87,000 |
| Gulfport-Biloxi-Pascagoula, MS | 38 | $ 7,290,000 | $ 191,842 | $ 95,000 |
| Daphne-Fairhope-Foley, AL | 34 | $ 13,870,000 | $ 407,941 | $ 174,000 |
| Warner Robins, GA | 29 | $ 7,825,000 | $ 269,827 | $ 101,000 |
| Gainesville, GA | 26 | $ 8,820,000 | $ 339,230 | $ 180,000 |
| Roanoke, VA | 22 | $ 6,500,000 | $ 295,454 | $ 122,000 |
| Anniston-Oxford-Jacksonville, AL | 18 | $ 4,520,000 | $ 251,111 | $ 108,000 |
| Gainesville, FL | 18 | $ 4,620,000 | $ 256,666 | $ 216,000 |
| Paducah, KY-IL | 18 | $ 3,320,000 | $ 184,444 | $ 105,000 |
| Panama City, FL | 16 | $ 6,070,000 | $ 379,375 | $ 241,000 |
| Winston-Salem, NC | 15 | $ 4,165,000 | $ 277,666 | $ 89,000 |
| Jacksonville, NC | 14 | $ 2,750,000 | $ 196,428 | $ 96,000 |
| Lake Charles, LA | 14 | $ 5,000,000 | $ 357,142 | $ 139,000 |
| Abilene, TX | 13 | $ 3,695,000 | $ 284,230 | $ 115,000 |
| Augusta-Richmond County, GA-SC | 13 | $ 4,575,000 | $ 351,923 | $ 186,307 |
| Cleveland, TN | 13 | $ 2,765,000 | $ 212,692 | $ 99,000 |
| Jackson, TN | 13 | $ 2,255,000 | $ 173,461 | $ 66,000 |
| Hattiesburg, MS | 12 | $ 4,490,000 | $ 374,166 | $ 271,000 |
| Ocala, FL | 12 | $ 2,450,000 | $ 204,166 | $ 108,000 |
| Brunswick, GA | 11 | $ 5,475,000 | $ 497,727 | $ 499,000 |
| Lexington-Fayette, KY | 10 | $ 2,460,000 | $ 246,000 | $ 116,000 |
| Athens-Clarke County, GA | 9 | $ 3,515,000 | $ 390,555 | $ 318,000 |
| Charlottesville, VA | 9 | $ 3,995,000 | $ 443,888 | $ 213,000 |
| Hinesville, GA | 9 | $ 1,865,000 | $ 207,222 | $ 85,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 9 | $ 3,125,000 | $ 347,222 | $ 115,000 |
| Wilmington, NC | 9 | $ 3,115,000 | $ 346,111 | $ 165,000 |
| Bowling Green, KY | 8 | $ 1,810,000 | $ 226,250 | $ 114,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 8 | $ 2,990,000 | $ 373,750 | $ 190,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 2,760,000 | $ 345,000 | $ 191,000 |
| Burlington, NC | 7 | $ 1,885,000 | $ 269,285 | $ 148,000 |
| Indianapolis-Carmel-Anderson, IN | 7 | $ 2,145,000 | $ 306,428 | $ 195,000 |
| Jonesboro, AR | 6 | $ 890,000 | $ 148,333 | $ 49,000 |
| New Orleans-Metairie, LA | 6 | $ 2,260,000 | $ 376,666 | $ 125,000 |
| Tampa, FL | 6 | $ 2,220,000 | $ 370,000 | $ 522,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 7,230,000 | $ 1,205,000 | $ 334,000 |
| Arlington-Alexandria-Reston, VA-WV | 5 | $ 2,275,000 | $ 455,000 | $ 129,000 |
| Bozeman, MT | 5 | $ 2,745,000 | $ 549,000 | $ 147,000 |
| Asheville, NC | 4 | $ 1,380,000 | $ 345,000 | $ 148,000 |
| Austin-Round Rock, TX | 4 | $ 2,580,000 | $ 645,000 | $ 199,000 |
| Harrisonburg, VA | 4 | $ 1,200,000 | $ 300,000 | $ 159,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 1,240,000 | $ 310,000 | $ 349,000 |
| Shreveport-Bossier City, LA | 4 | $ 1,650,000 | $ 412,500 | $ 305,000 |
| Slidell-Mandeville-Covington, LA | 4 | $ 830,000 | $ 207,500 | $ 138,000 |
| Tallahassee, FL | 4 | $ 1,020,000 | $ 255,000 | $ 367,000 |
| Durham-Chapel Hill, NC | 3 | $ 1,145,000 | $ 381,666 | $ 93,000 |
| Lafayette, LA | 3 | $ 975,000 | $ 325,000 | $ 159,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 645,000 | $ 215,000 | $ 78,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 725,000 | $ 241,666 | $ 128,000 |
| Morristown, TN | 3 | $ 1,795,000 | $ 598,333 | $ 296,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 985,000 | $ 328,333 | $ 95,000 |
| Raleigh, NC | 3 | $ 1,735,000 | $ 578,333 | $ 273,000 |
| Rocky Mount, NC | 3 | $ 1,085,000 | $ 361,666 | $ 118,000 |
| Staunton-Waynesboro, VA | 3 | $ 605,000 | $ 201,666 | $ 57,000 |
| Beaumont-Port Arthur, TX | 2 | $ 740,000 | $ 370,000 | $ 228,000 |
| Cincinnati, OH-KY-IN | 2 | $ 360,000 | $ 180,000 | $ 98,000 |
| Dallas-Plano-Irving, TX | 2 | $ 1,440,000 | $ 720,000 | $ 252,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 1,060,000 | $ 530,000 | $ 170,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 2,640,000 | $ 1,320,000 | $ 384,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 650,000 | $ 325,000 | $ 76,000 |
| Florence, SC | 2 | $ 650,000 | $ 325,000 | $ 114,000 |
| Fort Worth-Arlington, TX | 2 | $ 590,000 | $ 295,000 | $ 143,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 1,050,000 | $ 525,000 | $ 233,000 |
| Joplin, MO | 2 | $ 350,000 | $ 175,000 | $ 80,000 |
| San Angelo, TX | 2 | $ 230,000 | $ 115,000 | $ 44,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 930,000 | $ 465,000 | $ 113,000 |
| Sumter, SC | 2 | $ 430,000 | $ 215,000 | $ 112,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 590,000 | $ 295,000 | $ 126,000 |
| Winchester, VA-WV | 2 | $ 830,000 | $ 415,000 | $ 114,000 |
| Albuquerque, NM | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Billings, MT | 1 | $ 425,000 | $ 425,000 | $ 160,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 275,000 | $ 275,000 | $ 101,000 |
| Cape Girardeau, MO-IL | 1 | $ 365,000 | $ 365,000 | $ 124,000 |
| Chicago-Naperville, IL | 1 | $ 95,000 | $ 95,000 | $ 104,000 |
| Corpus Christi, TX | 1 | $ 575,000 | $ 575,000 | $ 496,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 515,000 | $ 515,000 | $ 126,000 |
| Fayetteville, NC | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Greenville, NC | 1 | $ 255,000 | $ 255,000 | $ 87,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 355,000 | $ 355,000 | $ 117,000 |
| Homosassa Springs, FL | 1 | $ 105,000 | $ 105,000 | $ 210,000 |
| Houma-Thibodaux, LA | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Lansing-East Lansing, MI | 1 | $ 365,000 | $ 365,000 | $ 122,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 2,125,000 | $ 2,125,000 | $ 2,154,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 715,000 | $ 715,000 | $ 342,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 1,575,000 | $ 1,575,000 | $ 500,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 515,000 | $ 515,000 | $ 137,000 |
| Port St. Lucie, FL | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Richmond, VA | 1 | $ 295,000 | $ 295,000 | $ 147,000 |
| Rochester, MN | 1 | $ 335,000 | $ 335,000 | $ 72,000 |
| San Antonio-New Braunfels, TX | 1 | $ 365,000 | $ 365,000 | $ 211,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 885,000 | $ 885,000 | $ 306,000 |
| Sebastian-Vero Beach, FL | 1 | $ 335,000 | $ 335,000 | $ 77,000 |
| St. Joseph, MO-KS | 1 | $ 475,000 | $ 475,000 | $ 246,000 |
| St. Louis, MO-IL | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 2,745,000 | $ 2,745,000 | $ 2,382,000 |
| Topeka, KS | 1 | $ 125,000 | $ 125,000 | $ 181,000 |
| Tulsa, OK | 1 | $ 735,000 | $ 735,000 | $ 300,000 |
| Waco, TX | 1 | $ 455,000 | $ 455,000 | $ 237,000 |
Mortgage Loan Application Detail Totals for Renasant Bank in 2024
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 | 6,295 | $1,887,565,000 | $299,000 | $12,055,000 | $141,000 | $4,973,000 |
| Refinancing | 1,885 | $482,905,000 | $256,000 | $16,895,000 | $175,000 | $5,927,000 |
| Other Purpose | 1,069 | $123,795,000 | $115,000 | $3,005,000 | $171,000 | $6,284,000 |
| Cash-out Refinancing | 619 | $156,625,000 | $253,000 | $3,005,000 | $144,000 | $7,313,000 |
| Home Improvement | 399 | $41,615,000 | $104,000 | $765,000 | $151,000 | $2,229,000 |
| 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 | 6,645 | $1,720,185,000 | $258,000 | $4,755,000 | $158,000 | $7,313,000 |
| Black or African American | 1,540 | $305,060,000 | $198,000 | $4,215,000 | $99,000 | $2,154,000 |
| Not Provided | 884 | $274,260,000 | $310,000 | $2,725,000 | $187,000 | $5,688,000 |
| Not applicable | 578 | $209,170,000 | $361,000 | $16,895,000 | $0 | $0 |
| Hispanic | 344 | $86,230,000 | $250,000 | $1,805,000 | $108,000 | $1,495,000 |
| Asian | 246 | $91,580,000 | $372,000 | $1,855,000 | $183,000 | $2,260,000 |
| American Indian or Alaskan Native | 27 | $5,335,000 | $197,000 | $585,000 | $165,000 | $886,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $685,000 | $228,000 | $355,000 | $397,000 | $662,000 |
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) | 7,838 | $2,075,550,000 | $264,000 | $16,895,000 | $171,000 | $7,313,000 |
| FHA-insured (Federal Housing Administration) | 1,515 | $366,465,000 | $241,000 | $735,000 | $86,000 | $648,000 |
| VA-guaranteed (Veterans Administration) | 521 | $180,495,000 | $346,000 | $1,965,000 | $114,000 | $547,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 393 | $69,995,000 | $178,000 | $405,000 | $68,000 | $153,000 |
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 | 7,420 | $1,969,490,000 | $265,000 | $16,895,000 | $158,000 | $7,313,000 |
| Application Withdrawn By Applicant | 1,151 | $363,045,000 | $315,000 | $14,505,000 | $144,000 | $2,229,000 |
| Application Denied By Financial Institution | 958 | $144,820,000 | $151,000 | $2,645,000 | $96,000 | $1,176,000 |
| Application Approved But Not Accepted | 598 | $170,810,000 | $285,000 | $4,755,000 | $142,000 | $3,993,000 |
| Loan Purchased By The Institution | 106 | $24,600,000 | $232,000 | $605,000 | $0 | $0 |
| File Closed For Incompleteness | 34 | $19,740,000 | $580,000 | $2,605,000 | $483,000 | $5,688,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 9,309 | $2,547,685,000 | $273,000 | $16,895,000 | $156,000 | $7,313,000 |
| Credit History | 404 | $31,390,000 | $77,000 | $505,000 | $93,000 | $1,176,000 |
| Debt-To-Income Ratio | 320 | $52,150,000 | $162,000 | $1,915,000 | $85,000 | $513,000 |
| Other | 78 | $21,050,000 | $269,000 | $2,645,000 | $110,000 | $1,036,000 |
| Collateral | 66 | $11,650,000 | $176,000 | $795,000 | $113,000 | $618,000 |
| Credit Application Incomplete | 45 | $15,855,000 | $352,000 | $2,025,000 | $160,000 | $759,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $5,750,000 | $319,000 | $2,555,000 | $73,000 | $191,000 |
| Employment History | 16 | $4,240,000 | $265,000 | $475,000 | $83,000 | $156,000 |
| Unverifiable Information | 10 | $2,570,000 | $257,000 | $615,000 | $104,000 | $220,000 |
| Mortgage Insurance Denied | 1 | $165,000 | $165,000 | $165,000 | $75,000 | $75,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Renasant Bank's 2024 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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