PlainLender

RENASANT BANK

JOHNS CREEK, GA

RENASANT BANK processed 10,267 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 7,420 loans with a 9.3% denial rate. Home Purchase was the primary loan purpose. Based in JOHNS CREEK, GA. The approval rate of 72.3% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. RENASANT BANK processed 10,267 HMDA-reported mortgage applications in 2024, originating 7,420 loans and denying 958 for a denial rate of 9.3% (applicants themselves withdrew 1,151 files before a decision). The average loan amount was $262,248 at a 6.795% average note rate, and applicants self-reported an average income of $36,000. The lender reports under LEI 5493002RF1ERFA2XR050 from JOHNS CREEK, GA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. RENASANT BANK's 72.3% origination rate tells you how often an application turned into funded money; the 9.3% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (7,838 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

10,267
Applications
7,420
Originated
9.3%
Denial Rate
$262,248
Avg Loan Amount
Avg Interest Rate: 6.795% Avg Applicant Income: $36,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 7,838 5,605 812 $264,806
FHA 1,515 1,121 77 $241,891
VA 521 415 23 $346,440
USDA 393 279 46 $178,104

Top loan types — RENASANT BANK

Top loan types — RENASANT BANK Horizontal bar chart of the top 4 items by value (applications). Top loan types — RENASANT BANK Top 4 1. Conventional 7,838 2. FHA 1,515 3. VA 521 4. USDA 393 Top 5 loan types by application volume at RENASANT BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for RENASANT BANK (LEI: 5493002RF1ERFA2XR050) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
488
Credit history
478
Collateral
158
Other
99
Insufficient cash
50
Credit application incomplete
48
Unverifiable information
28
Employment history
24

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 6,295 4,749 $299,851
Refinancing 1,885 1,416 $256,183
Other 1,069 616 $115,804
Cash-out Refinancing 619 377 $253,029
Home Improvement 399 262 $104,298

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 6,820 75.6% 9.0%
Black or African American 1,530 62.5% 13.9%
Asian 242 70.7% 9.1%
Joint 104 69.2% 11.5%
American Indian or Alaska Native 19 73.7% 0.0%
2 or more minority races 15 93.3% 6.7%
Native Hawaiian or Other Pacific Islander 5 80.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 8,347 73.5% 9.7%
Hispanic or Latino 298 67.5% 10.4%
Joint 119 67.2% 9.2%

Nearby Lenders in GA

Other HMDA-reporting lenders in GA with similar activity. Compare any two side-by-side.

AMERISAVE MORTGAGE COMPANY

SANDY SPRINGS, GA

107,775 apps 16,102 originated 69.0% denied

Ameris Bank

Atlanta, GA

20,452 apps 14,604 originated 7.8% denied

Equity Prime Mortgage LLC

Atlanta, GA

18,565 apps 10,954 originated 3.6% denied

SYNOVUS BANK

COLUMBUS, GA

8,388 apps 5,114 originated 21.6% denied

ANGEL OAK MORTGAGE SOLUTIONS LLC

ATLANTA, GA

7,440 apps 4,702 originated 13.9% denied
Compare RENASANT BANK vs AMERISAVE MORTGAGE COMPANY →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

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Frequently Asked Questions

How many mortgage applications did RENASANT BANK process?
RENASANT BANK processed 10,267 mortgage applications in the 2023 HMDA reporting year. Of these, 7,420 were originated (approved and funded), 1,151 were withdrawn by the applicant, and 958 were denied.
What is RENASANT BANK's mortgage approval rate?
RENASANT BANK has an approval (origination) rate of 72.3%, meaning 72.3% of all applications resulted in a funded mortgage. The denial rate is 9.3%.
What is the average loan amount at RENASANT BANK?
The average mortgage loan amount at RENASANT BANK is $262,248. The average interest rate is 6.795%. The average applicant income is $36,000.
What are the most common reasons for mortgage denial at RENASANT BANK?
The most common reasons for mortgage denial at RENASANT BANK are: Debt-to-income ratio, Credit history, Collateral. In total, 958 applications were denied out of 10,267 total applications.
What types of mortgage loans does RENASANT BANK offer?
RENASANT BANK processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 7,838 applications and an average loan amount of $264,806.
What loan purposes does RENASANT BANK serve?
RENASANT BANK serves the following loan purposes: Home Purchase (6,295 applications), Refinancing (1,885 applications), Other (1,069 applications), Cash-out Refinancing (619 applications), Home Improvement (399 applications). Home Purchase is the most common purpose.
Where is RENASANT BANK located?
RENASANT BANK is headquartered in JOHNS CREEK, GA. The lender is identified by LEI 5493002RF1ERFA2XR050 in HMDA data.
How does RENASANT BANK compare in lending across racial demographics?
RENASANT BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 75.6% and denial rate of 9.0%; Black or African American applicants have an approval rate of 62.5% and denial rate of 13.9%; Asian applicants have an approval rate of 70.7% and denial rate of 9.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.