Renasant Bank mortgage approval rate & lending review
Renasant Bank decided 13,634 mortgage applications and funded 11,933 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Renasant Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Renasant Bank at a glance
Approval is 8.7 points above the 83.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 8,606 / 9,121 | 95% | $295K | 8,163 |
| Home improvement loans | 73% | 434 / 595 | 96% | $105K | 418 |
| Cash-out refinance | 91% | 548 / 605 | 91% | $255K | 499 |
| Refinance | 84% | 1,389 / 1,650 | 96% | $205K | 1,332 |
| Investment property purchase | 96% | 755 / 783 | 95% | $215K | 714 |
| Investment cash-out refinance | 81% | 78 / 96 | 87% | $125K | 68 |
| Investment refinance | 98% | 718 / 729 | 96% | $105K | 690 |
| Investment home improvement | 95% | 52 / 55 | 94% | $125K | 49 |
Renasant Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 93% | $295K | 4,021 | 3,594 |
| Georgia | 92% | $295K | 3,236 | 2,778 |
| Tennessee | 91% | $245K | 2,079 | 1,812 |
| South Carolina | 96% | $295K | 1,355 | 1,213 |
| Mississippi | 88% | $255K | 1,254 | 1,053 |
| Florida | 92% | $255K | 746 | 659 |
| North Carolina | 96% | $255K | 469 | 417 |
| Louisiana | 92% | $225K | 191 | 166 |
| Texas | 95% | $285K | 117 | 99 |
| Kentucky | 92% | $255K | 24 | 21 |
| Virginia | 100% | $485K | 24 | 22 |
| Arkansas | 96% | $215K | 23 | 20 |
| Indiana | 71% | $165K | 21 | 15 |
| Montana | 95% | $445K | 20 | 18 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Renasant Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, AL | Mortgage lenders | 94% | 671 | 613 |
| Fulton County, GA | Mortgage lenders | 93% | 588 | 508 |
| Shelby County, TN | Mortgage lenders | 94% | 531 | 473 |
| Montgomery County, AL | Mortgage lenders | 96% | 394 | 368 |
| Lee County, AL | Mortgage lenders | 100% | 309 | 299 |
| Gwinnett County, GA | Mortgage lenders | 96% | 317 | 286 |
| Charleston County, SC | Mortgage lenders | 96% | 307 | 276 |
| Shelby County, AL | Mortgage lenders | 94% | 282 | 253 |
| Davidson County, TN | Mortgage lenders | 90% | 257 | 228 |
| Madison County, AL | Mortgage lenders | 93% | 252 | 223 |
| Mobile County, AL | Mortgage lenders | 94% | 248 | 223 |
| DeKalb County, GA | Mortgage lenders | 91% | 225 | 193 |
The county markets where Renasant Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Renasant Bank
What is Renasant Bank's mortgage approval rate?
Renasant Bank approved 92.3% of the 13,634 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.7 points above the 83.5% national rate for the same mix of loan types.
How often do borrowers take the loan Renasant Bank offers?
Borrowers accepted 95% of the loans Renasant Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Renasant Bank make?
The typical home purchase mortgage loan Renasant Bank made was $295K; across all loan types its typical loan ran from $105K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Renasant Bank lend?
Renasant Bank decided applications in 28 of the states Fat Boy Data covers, most of them in Alabama, Georgia and Tennessee.
Can I apply to Renasant Bank directly?
Yes. Renasant Bank is a bank or credit union with 265 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Renasant Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Renasant Bank treats applications, then get a rate quote from the lender.