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 score and performance metrics.

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 an overall pricing score of 38.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Renasant Bank?

Renasant Bank is a Bank headquartered in Tupelo, MS.

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Renasant Bank

Bank•Tupelo, MSHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Renasant Bank — 5.0k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Multi-Region · 47 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Renasant Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+26.2 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 10% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 48 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	3,011	60.7%	+0.240%Above	$2,661Fees
FHA Loans	Strong	Exceptional	Sound	Strong	1,118	22.5%	+0.484%Above	$2,568Fees
VA Loans	Strong	Exceptional	Sound	Exceptional	407	8.2%	-0.307%Below	$2,092Fees
Jumbo Loans	Strong	Exceptional	Sound	Strong	148	3.0%	+0.255%Above	$1,853Fees
USDA Loans	Strong	Exceptional	Sound	Strong	278	5.6%	+0.315%Above	$1,987Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume3,011

Mix60.7%

Spread

+0.240%Above

Fees

$2,661Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,118

Mix22.5%

Spread

+0.484%Above

Fees

$2,568Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume407

Mix8.2%

Spread

-0.307%Below

Fees

$2,092Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume148

Mix3.0%

Spread

+0.255%Above

Fees

$1,853Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume278

Mix5.6%

Spread

+0.315%Above

Fees

$1,987Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Strong	4,071	82.0%	+0.266%Above	$2,530Fees
Refinance	Strong	Exceptional	Acceptable	Strong	891	18.0%	+0.248%Above	$2,690Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume4,071

Mix82.0%

Spread

+0.266%Above

Fees

$2,530Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume891

Mix18.0%

Spread

+0.248%Above

Fees

$2,690Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

4,962

Applications

6,547

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.262%

vs. market APOR

Avg Net Fees

$2,563

Origination − Credits

Pullthrough Rate

75.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$315,709

Avg Borrower Income

$143,365

Avg Property Value

$411,175

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest6

INKSMIMNMONE

South14

ALARFLGAKYLAMSNCOKSCTNTXVAWV

West3

AZMTWA

Top Metro Areas by Place Specialization Score

1© Prestinian at en.wikipedia · Public domain

Gadsden, ALMetro

Volume 87Mix 1.75% of portfolio

98/100

Exceptional

2© James Willamor · CC BY-SA 3.0

Montgomery, ALMetro

Volume 205Mix 4.13% of portfolio

90/100

Exceptional

3© Eric in SF · CC BY-SA 3.0

Birmingham, ALMetro

Volume 295Mix 5.95% of portfolio

88/100

Exceptional

Auburn, ALMetro

Volume 98Mix 1.98% of portfolio

82/100

Exceptional

Charleston, SCMetro

Volume 143Mix 2.88% of portfolio

77/100

Strong

Dothan, ALMetro

Volume 46Mix 0.93% of portfolio

76/100

Strong

Atlanta, GAMetro

Volume 324Mix 6.53% of portfolio

75/100

Strong

Memphis, TNMetro

Volume 200Mix 4.03% of portfolio

75/100

Strong

Jackson, MSMetro

Volume 127Mix 2.56% of portfolio

74/100

Strong

Greenville, SCMetro

Volume 109Mix 2.20% of portfolio

73/100

Strong

Showing 10 of 47 metro areas

Top States by Place Specialization Score

AlabamaState

Volume 1,328Mix 26.76% of portfolio

95/100

Exceptional

MississippiState

Volume 772Mix 15.56% of portfolio

88/100

Exceptional

GeorgiaState

Volume 1,064Mix 21.44% of portfolio

84/100

Exceptional

South CarolinaState

Volume 432Mix 8.71% of portfolio

80/100

Strong

TennesseeState

Volume 516Mix 10.40% of portfolio

78/100

Strong

VirginiaState

Volume 202Mix 4.07% of portfolio

68/100

Strong

KentuckyState

Volume 129Mix 2.60% of portfolio

65/100

Strong

North CarolinaState

Volume 252Mix 5.08% of portfolio

65/100

Strong

FloridaState

Volume 141Mix 2.84% of portfolio

56/100

Sound

ArkansasState

Volume 34Mix 0.69% of portfolio

50/100

Sound

Showing 10 of 13 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.