Lender in North Carolina · HMDA 2025
Renasant Bank mortgages in North Carolina
Renasant Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Renasant Bank originated 277 owner-occupied single-family loans in North Carolina from 286 completed applications.
Its median conventional purchase loan costs were $5,170 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.50% (North Carolina: 6.50%).
Loans in NC
277
of 286 applications
Denial rate
3.6%
Purchase · NC 7.6%
Rate spread
+0.11 pts
Conv. · NC +0.04 pts
Loan amount
$285,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 219 | 211 | 3.6% | 6.500% | +0.11 pts | $5,170 | $285,000 |
| Refinance | 33 | 32 | 0.0% | 6.625% | +0.13 pts | $6,010 | $335,000 |
| Cash-out refinance | 34 | 34 | 0.0% | 6.625% | +0.25 pts | $4,360 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Renasant Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Rockingham County | 6 | 54 | 4.1% |
| Macon County | 8 | 10 | 2.3% |
| Surry County | 9 | 16 | 2.2% |
| Jackson County | 15 | 4 | 1.4% |
| Avery County | 20 | 1 | 0.7% |
| Caswell County | 21 | 2 | 1.2% |
| Swain County | 23 | 1 | 0.9% |
| Iredell County | 25 | 34 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology