Applications / Mortgage Analytics / Lenders / Mississippi / Renasant Bank
Tupelo, MS · State member bank · FRS · $26.7 billion assets · 8,976 loans in 2025
Renasant Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
8,976
loans originated, 2025
12,133
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Renasant Bank leans on government-backed mortgages far more than similar banks, and in 2025 it grew its loan count 21%, faster than nearly nine in ten of them, while leading the non-metro Mississippi market.
14.1% of its loans were FHA (insured by the Federal Housing Administration), 4.8% VA (guaranteed by the Department of Veterans Affairs) and 2.9% RHS (guaranteed by the Department of Agriculture's Rural Housing Service). Each is well above the typical similar lender (state member banks making between half and twice as many loans), whose shares are 5.6%, 1.8% and 0.6%. That mix may reflect first-time and rural buyers in its markets.
Originations rose 21% to 8,976, against 9% for similar lenders and 10% for the whole market, though well below the 23,394 of 2020. Its merger with The First Bank in 2025 may explain part of the rise.
17.0% of its loans were in LMI (low- and moderate-income) areas and 26.0% in majority-minority areas, each higher than about three-quarters of similar lenders; the second figure was 10.0% five years before. Its typical rate, 6.69%, matched the typical peer. It turned down 7.6% of first-lien refinance applications on owner-occupied homes, against 18.9% for peers, and 6.1% of purchase applications, against 8.6%.
It ranks first of 438 lenders in non-metro Mississippi. Its share in Charleston rose to 1.3% from 0.9%, while in Birmingham, where it ranks 9 of 523, it eased to 2.0% from 2.2%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Renasant Bank took 12,133 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.3% · Refinance 27.0% · Other 7.5% · Home improvement 3.2%
Conventional 78.1% · FHA 14.1% · VA 4.8% · USDA (RHS or FSA) 2.9% · of 8,976 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Mississippi | 2,189 | 24.4% |
| Georgia | 2,005 | 22.3% |
| Alabama | 1,966 | 21.9% |
| Tennessee | 941 | 10.5% |
| South Carolina | 545 | 6.1% |
| Florida | 425 | 4.7% |
| North Carolina | 301 | 3.4% |
| Louisiana | 187 | 2.1% |
| Kentucky | 161 | 1.8% |
| Virginia | 156 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 774 |
| Birmingham | 490 |
| Memphis | 387 |
| Jackson | 322 |
| Montgomery | 316 |
| Nashville-Davidson--Murfreesboro--Franklin | 316 |
| Charleston-North Charleston | 272 |
| Auburn-Opelika | 185 |
| Marietta | 170 |
| Gulfport-Biloxi | 148 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002RF1ERFA2XR050 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 749242 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312437 | 1990–2017 |
Established 27 February 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Renasant Bank's data.
Renasant Bank's data
$215
Renasant Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Renasant Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]