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Renasant Bank
Bank|Tupelo, MS|Multi-Region
Loans Originated
4,962
Applications
6,547
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐USDA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.262%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,563
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.8%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
Renasant Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Multi-Regional · 48 metro areas · 23 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$315,709
Average Borrower Income
$143,365
Average Property Value
$411,175
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 3,011 | 60.7% | +0.240% | $2,661 |
FHA Loans | Strong | Exceptional | Sound | Strong | 1,118 | 22.5% | +0.484% | $2,568 |
VA Loans | Strong | Exceptional | Sound | Exceptional | 407 | 8.2% | -0.307% | $2,092 |
Jumbo Loans | Strong | Exceptional | Sound | Strong | 148 | 3.0% | +0.255% | $1,853 |
USDA Loans | Strong | Exceptional | Sound | Strong | 278 | 5.6% | +0.315% | $1,987 |
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% | $2,530 |
Refinance | Sound | Exceptional | Acceptable | Strong | 891 | 18.0% | +0.248% | $2,690 |
Geographic Coverage
Metro Areas
47
States Served
23
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZFLGAINKSKYLAMIMNMOMSMTNCNEOKSCTNTXVAWAWV
Top Metro Areas by Place Specialization Score
1
Gadsden, AL, ALMSA
Volume: 87Mix: 1.75%
Place Specialization
Exceptional
2
Montgomery, AL, ALMSA
Volume: 205Mix: 4.13%
Place Specialization
Exceptional
3
Birmingham, AL, ALMSA
Volume: 295Mix: 5.95%
Place Specialization
Exceptional
4
Auburn, ALMSA
Volume: 98Mix: 1.98%
Place Specialization
Exceptional
5
Charleston, SCMSA
Volume: 143Mix: 2.88%
Place Specialization
Strong
6
Dothan, AL, ALMSA
Volume: 46Mix: 0.93%
Place Specialization
Strong
7
Atlanta, GAMSA
Volume: 324Mix: 6.53%
Place Specialization
Strong
8
Memphis, TNMSA
Volume: 200Mix: 4.03%
Place Specialization
Strong
9
Jackson, MS, MSMSA
Volume: 127Mix: 2.56%
Place Specialization
Strong
10
Greenville, SCMSA
Volume: 109Mix: 2.20%
Place Specialization
Strong
Showing 10 of 47 metro areas
Top States by Place Specialization Score
1
ALState
Volume: 1,328Mix: 26.76%
Place Specialization
Exceptional
2
MSState
Volume: 772Mix: 15.56%
Place Specialization
Exceptional
3
GAState
Volume: 1,064Mix: 21.44%
Place Specialization
Exceptional
4
SCState
Volume: 432Mix: 8.71%
Place Specialization
Strong
5
TNState
Volume: 516Mix: 10.40%
Place Specialization
Strong
6
VAState
Volume: 202Mix: 4.07%
Place Specialization
Strong
7
KYState
Volume: 129Mix: 2.60%
Place Specialization
Strong
8
NCState
Volume: 252Mix: 5.08%
Place Specialization
Strong
9
FLState
Volume: 141Mix: 2.84%
Place Specialization
Sound
10
ARState
Volume: 34Mix: 0.69%
Place Specialization
Sound
Showing 10 of 13 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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