Lenders › Renasant Bank › Alabama
Renasant Bank in Alabama
HMDA record for properties in Alabama, calendar year 2024. National record · Alabama overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Alabama, Renasant Bank reported 2,219 applications and 1,708 originations for 2024, $465m in all.
Its denial rate in the state was 7.9%, below the Alabama rate of 26.3% across all lenders and compared with the lender's national rate of 10.7%.
The median rate spread on its Alabama originations was 0.3 percentage points (state median 0.4).
Applications in the state were down 9% on 2023.
Compared with the state and the lender's national record
| Measure | In Alabama | Alabama, all lenders | Renasant Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 7.9% | 26.3% | 10.7% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.5% | 16.5% | 1.6% | 15.6% |
| Average originated loan | $272k | $228k | $265k | $329k |
| Home purchase share | 72.1% | 59.0% | 64.0% | 57.0% |
| FHA-insured share | 18.7% | 18.0% | 15.1% | 13.4% |
| VA-guaranteed share | 9.1% | 12.5% | 5.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateAlabama, all lenders
Loan purpose and loan type in Alabama
By purpose
Home purchase 72% (1,231)Home improvement 2% (41)Refinancing 16% (271)Cash-out refinancing 5% (86)Other purpose 5% (79)
By type
Conventional 68% (1,157)FHA 19% (319)VA 9% (155)USDA 5% (77)
Denial reasons as coded
Share of 156 denials in Alabama by first denial reason coded (outlined bar: all lenders in the state).
Counties in Alabama
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 326 | 244 | $77m | 10.4% |
| Montgomery County | 224 | 152 | $33m | 9.4% |
| Lee County | 142 | 123 | $43m | 5.1% |
| Shelby County | 169 | 120 | $39m | 13.4% |
| Madison County | 117 | 94 | $34m | 4.8% |
| Etowah County | 103 | 88 | $17m | 6.3% |
| Mobile County | 112 | 86 | $18m | 6.2% |
| Morgan County | 91 | 65 | $13m | 17.3% |
| Autauga County | 77 | 65 | $18m | 2.9% |
| Tuscaloosa County | 75 | 56 | $16m | 6.5% |
| Cullman County | 60 | 53 | $16m | 3.5% |
| Elmore County | 63 | 52 | $13m | 3.5% |
| Marshall County | 63 | 51 | $13m | 1.8% |
| Houston County | 43 | 37 | $7.9m | 4.9% |
| Jackson County | 41 | 33 | $7.8m | 10.3% |
| St. Clair County | 45 | 31 | $7.1m | 2.8% |
| DeKalb County | 37 | 30 | $6.3m | 5.7% |
| Limestone County | 33 | 28 | $8.7m | 0.0% |
| Coffee County | 30 | 28 | $7.1m | 6.7% |
| Baldwin County | 34 | 24 | $8.7m | 13.3% |
| Lauderdale County | 30 | 24 | $5.5m | 10.7% |
| Pike County | 25 | 21 | $5.2m | — |
| Colbert County | 27 | 18 | $4.1m | — |
| Talladega County | 25 | 17 | $4.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Renasant Bank originate in Alabama in 2024?
1,708 loans totalling $465m, from 2,219 applications reported for properties in Alabama.
What is Renasant Bank's denial rate in Alabama?
7.9% of decided applications in Alabama were denied, against 26.3% for all lenders in the state and 10.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Alabama counties does Renasant Bank lend in most?
By originations: Jefferson County (244), Montgomery County (152), Lee County (123), Shelby County (120), Madison County (94).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Alabama. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.