
Renasant Bank Mortgage Review 2025
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At a glance

Renasant Bank could be worth considering if you already do business with the bank, or plan to buy or build a home in the Southeast, where it operates. The bank offers both conventional and government-backed loans, as well as a home equity line of credit (HELOC) for homeowners. The bank’s website directs visitors to connect with a loan officer at a branch, so you might not have the easiest time applying online, if that’s the experience you’re looking for.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
Loans offered
Conventional, jumbo, FHA, VA, USDA, refinancing and more
Min. credit score required
620 for conventional loans, 600 for FHA loans
Nationwide availability
31 states, including Florida, Georgia, Ohio, Pennsylvania, Texas
Min. down payment
3% for conventional loans, 3.5% for FHA loans, none for VA loans
Renasant Bank overview
Renasant Bank operates 186 locations across Mississippi (where it was founded in 1904), Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee. As of 2024, it had $18 billion in assets. Along with the standard suite of mortgage options, the lender also offers new-construction loans with six- to 12-month terms and renovation loans. Renasant was the nation’s 149th-largest mortgage lender in 2023, according to federal data.
Pros and cons of Renasant Bank
Pros
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Offers online payment feature
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More than 180 branches
Cons
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Website experience offers limited information
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Branches limited to only a handful of states
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Limited customer service contact options
How Bankrate scored Renasant Bank
Affordability: 3.3/5
Renasant Bank doesn’t disclose current mortgage offers without needing to submit a request for a rate quote. However, it offers low-down payment loan options, bringing its affordability score to 3.3 out of 5 stars.
- Interest rates: Renasant Bank did not disclose current rate information as of this review.
- Down payment: Renasant offers VA and USDA loans with no down payment requirement, conventional loans with just 3 percent down and FHA loans with 3.5 percent down.
- Closing costs: Renasant Bank did not disclose closing costs information as of this review. For most lenders, you can expect to pay 2 percent to 5 percent of the loan amount in closing costs, including lender fees.
Availability: 5/5
Renasant Bank works with borrowers across 31 states for conventional and government-backed loans. It scores a perfect 5 out of 5 stars for availability.
- Home loans offered: Renasant offers conventional, jumbo, FHA, VA and USDA loans.
- Footprint: Renasant provides mortgages in 31 states, including Florida, Georgia, Ohio, Pennsylvania and Texas.
- Where to find: You can apply for a mortgage with Renasant by phone or in person at a branch location.
Borrower experience: 3.7/5
Renasant Bank requires you to submit your contact info to get a customized mortgage rate. It also provides somewhat limited means of customer service contact compared to other banks and lenders. It scores 3.7 out of 5 stars for borrower experience.
- Preapproval and application process: Renasant Bank’s website is fairly limited in terms of loan information or resources. To start the mortgage preapproval or application process, you’ll need to call the bank or visit a branch. If you’re eligible for a mortgage, you can expect a conditional approval in 48 hours, and the bank can close in as little as three weeks.
- Transparency: Renasant Bank doesn’t allow you to view current rate offers or customize your rate quote on its website.
- Customer service: You can reach Renasant’s customer service team at 877-367-5371.
Renasant Bank reputation
Renasant Bank is part of the Renasant Corporation, founded in 1904. As of this review, the bank is not accredited by the Better Business Bureau (BBB), but has an A+ rating from the organization.
Lender compare
Compare Renasant Bank to other lenders
Mortgage rates and fees can vary widely across lenders. You can use the drop downs to explore beyond these lenders and find the best option for you.

NMLS: 402669
4.0
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Recent Customer Reviews
4.8

NMLS: 1907
4.9
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Recent Customer Reviews
5.0
Refinancing with Renasant Bank
Renasant Bank offers both rate-and-term and cash-out refinancing options.
How to apply for a mortgage with Renasant Bank
You can apply for a mortgage with Renasant Bank in person at a branch location or by phone at 877-367-5371. Its phone lines are staffed from 9 a.m. to 6 p.m. ET.
Renasant Bank customer ratings and reviews

NMLS: 402669
4.8
67 ratings
This lender has 0 recent reviews.
96% of customers would recommend this lender.