# Renasant Bank

> **Canonical URL:** https://saferate.com/lenders/renasant-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Renasant Bank is a bank, headquartered in Tupelo, MS, serving borrowers across 23 states, with 4,962 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493002RF1ERFA2XR050
- **Headquarters:** Tupelo, MS
- **Geographic Reach:** Multi-Region
- **States Served:** 23
- **State List:** AL, AR, AZ, FL, GA, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, NE, OK, SC, TN, TX, VA, WA, WV
- **Markets (MSAs):** 48
- **Primary Channel:** mix
- **Direct Origination:** 52.5%
- **Brokered/Wholesale:** 47.5%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.262%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,563
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,962
- **Dollar Volume:** $1.6 billion
- **Applications Received:** 6,547
- **Market Share:** 14.00%

## Typical Borrower Profile

- **Average Loan Amount:** $315,709
- **Average Borrower Income:** $143,365
- **Average Property Value:** $411,175

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (76%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 3,011 | +0.240% | $2,661 | Exceptional 🤩 |
| FHA | 84/100 | 1,118 | +0.484% | $2,568 | Exceptional 🤩 |
| VA | 81/100 | 407 | -0.307% | $2,092 | Exceptional 🤩 |
| Jumbo | 81/100 | 148 | +0.255% | $1,853 | Exceptional 🤩 |
| USDA | 92/100 | 278 | +0.315% | $1,987 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,287 loans, Score: 82/100 (Exceptional)
- Refinance: 724 loans, Score: 82/100 (Exceptional)

**FHA:**
- Purchase: 1,025 loans, Score: 85/100 (Exceptional)
- Refinance: 93 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 348 loans, Score: 81/100 (Exceptional)
- Refinance: 59 loans, Score: 79/100 (Strong)

**Jumbo:**
- Purchase: 134 loans, Score: 82/100 (Exceptional)

**USDA:**
- Purchase: 277 loans, Score: 92/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 85/100 | 4,071 | $1.3B | +0.266% | Exceptional 🤩 |
| Refinance | 81/100 | 891 | $258M | +0.248% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 1,328 | 2.22% | 95/100 |
| GA | 1,064 | 0.77% | 84/100 |
| MS | 772 | 3.09% | 88/100 |
| TN | 516 | 0.57% | 78/100 |
| SC | 432 | 0.54% | 80/100 |
| NC | 252 | 0.17% | 65/100 |
| VA | 202 | 0.19% | 68/100 |
| FL | 141 | 0.05% | 56/100 |
| KY | 129 | 0.28% | 65/100 |
| AR | 34 | 0.11% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,644 | 82/100 |
| Atlanta | GA | 324 | 75/100 |
| Birmingham, AL | AL | 295 | 88/100 |
| Montgomery, AL | AL | 205 | 90/100 |
| Memphis, TN |  | 200 | 75/100 |
| Charleston | SC | 143 | 77/100 |
| Nashville | TN | 139 | 69/100 |
| Jackson, MS | MS | 127 | 74/100 |
| Marietta, GA | GA | 110 | 70/100 |
| Greenville | SC | 109 | 73/100 |
| Auburn | AL | 98 | 82/100 |
| Huntsville, AL | AL | 90 | 70/100 |
| Gadsden, AL | AL | 87 | 98/100 |
| Columbia, SC | SC | 76 | 67/100 |
| Jacksonville, FL | FL | 65 | 60/100 |

## Where This Lender Ranks

Renasant Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Gadsden, AL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Gadsden, AL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Gadsden, AL for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Dothan, AL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Blacksburg for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/blacksburg/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Lynchburg, VA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lynchburg-va/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Rome, GA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/rome-ga/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Montgomery, AL Banks
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks)
- 🥈 **#2** in Montgomery, AL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Montgomery, AL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Memphis, TN for Jumbo Loans
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Memphis, TN for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Marietta, GA for USDA Loans
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Marietta, GA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Auburn for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Huntsville, AL for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Gadsden, AL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Gadsden, AL for VA Loans
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Gadsden, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Mobile, AL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does Renasant Bank offer?

Renasant Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Renasant Bank offer mortgages?

Renasant Bank offers mortgages in 23 states: AL, AR, AZ, FL, GA, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, NE, OK, SC, TN, TX, VA, WA, WV.

### How competitive are Renasant Bank's mortgage rates?

Renasant Bank has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.262% above market average.

### What type of lender is Renasant Bank?

Renasant Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Tupelo, MS.

### What is Renasant Bank's loan approval success rate?

Renasant Bank has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/renasant-bank

### How to Cite

> "Renasant Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/renasant-bank

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