Purchase Originations
4,456
Ranked #108 nationally
Median Total Costs
$6,307
−5.6% vs national ($6,680)
↑ $21 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,109
Median Lender Credits
$352
Cost Rank (500+ vol.)
#309
among lenders with 500+ originations
Denial Rate
5.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,634 | 6.500% | $5,244 | $2,226 |
| fha | 1,189 | 6.250% | $9,296 | $2,128 |
| va | 372 | 6.125% | $6,110 | $1,348 |
| usda | 261 | 6.250% | $6,027 | $1,697 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alabama | 1,130 | 6.375% | $5,748 | #8 |
| Georgia | 981 | 6.250% | $8,046 | #23 |
| Mississippi | 778 | 6.500% | $5,550 | #4 |
| Tennessee | 440 | 6.375% | $6,383 | #38 |
| South Carolina | 393 | 6.500% | $7,109 | #42 |
| North Carolina | 210 | 6.500% | $5,767 | #104 |
| Florida | 165 | 6.500% | $7,170 | #177 |
| Kentucky | 131 | 6.250% | $5,355 | #72 |
| Virginia | 125 | 6.500% | $4,497 | #112 |
| Louisiana | 34 | 6.375% | $5,572 | — |
| Arkansas | 16 | 6.375% | $4,794 | — |
| Indiana | 13 | 6.625% | $2,948 | — |
| Texas | 12 | 6.250% | $5,951 | — |
| Montana | 10 | 6.312% | $8,518 | — |
| Ohio | 4 | 6.188% | $5,038 | — |
| West Virginia | 4 | 6.125% | $5,578 | — |
| Missouri | 3 | 6.625% | $3,421 | — |
| Oklahoma | 3 | 5.625% | $3,744 | — |
| Kansas | 1 | 5.500% | $3,256 | — |
| Michigan | 1 | 6.625% | $4,850 | — |
| Minnesota | 1 | 6.500% | $11,018 | — |
| Pennsylvania | 1 | 6.990% | $5,651 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,885 | 6.312% | — | 60 | −$1,422 | |
| 2 | $4,896 | 6.625% | — | 113 | −$1,411 | |
| 3 | $4,952 | 6.433% | — | 120 | −$1,355 | |
| 4 | $5,238 | 6.625% | — | 72 | −$1,069 | |
| 5 | $5,292 | 6.625% | — | 73 | −$1,015 | |
| 6 | $5,298 | 6.500% | — | 193 | −$1,009 | |
| 7 | $5,546 | 6.375% | — | 118 | −$761 | |
| 8 | $5,658 | 6.125% | — | 62 | −$649 | |
| 9 | $5,834 | 6.625% | — | 128 | −$473 | |
| 10 | $5,929 | 6.383% | — | 52 | −$378 | |
| 11 | $5,996 | 6.375% | — | 48 | −$311 | |
| 12 | $6,256 | 6.375% | — | 52 | −$51 | |
| 13 | $6,413 | 6.500% | — | 52 | +$106 | |
| 14 | $6,768 | 6.250% | — | 99 | +$461 | |
| 15 | $7,227 | 6.188% | — | 52 | +$920 | |
| 16 | $7,270 | 6.375% | — | 49 | +$963 | |
| 17 | $7,756 | 6.125% | — | 133 | +$1,449 | |
| 18 | $8,916 | 6.250% | — | 45 | +$2,609 | |
| 19 | $9,023 | 6.000% | — | 152 | +$2,716 | |
| 20 | $9,763 | 6.125% | — | 106 | +$3,456 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Renasant Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $6,307 | $7,127 | −$820 (−11.5%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.