Melissa DeCarlo

Melissa DeCarlo

Senior Mortgage Banker
NMLS #: 595166
2001 Park Place North, Suite 650
Birmingham, Alabama 35203
Mobile: (205) 602-4769
Office: (205) 327-8115
Fax: (205) 278-4531

2022 Renasant Top ProducerFDIC Logo


Melissa DeCarlo is a Senior Mortgage Banker with Renasant Mortgage Lending with more than 24 years of lending experience. She has a passion for creating homeownership opportunities for families and is experienced in residential, conventional, FHA, VA, Portfolio, renovation and construction lending.

She is married to her spouse, Paul DeCarlo, and has two daughters who all reside in and around the Birmingham, Alabama area. Melissa has served with several civic organizations in the Birmingham area such as the American Heart Association, Family Connection, Greater Shelby Co. Humane Society, Church of the Highlands Serve teams, and Grace Klein Ministries. In her free time, Melissa enjoys reading, watching sports, gardening, and spending time at Smith Lake in Winston County, Alabama.


Mortgage Bankers Association of Alabama, Accredited Mortgage Banker


  • Renasant Mortgage Lending Top Producer, 2016 - 2022
  • Greater Birmingham Association of Homebuilders
    • Associate Vice President | 2022 - 2023
  • Professional Women in Building Woman of the Year, 2020
  • Greater Birmingham Association of Homebuilders Presidential Elect, 2021
  • President/Chair of Professional Women in Building, 2020
  • President/Chair of Associate Council of GBAHB, 2021
  • Birmingham Association of Realtors Affiliate of the Year, 2012
  • MBA of Alabama, Inc Accredited Mortgage Banker, 2012 - 2023
  • Women's Council of Realtors Affiliate of the Year, 2011
  • Women's Council of Realtors President's Award, 2015
  • Women's Council of Realtors Affiliate of the Year, 2015
  • Member of the National Geographic Society
  • Member of the Shelby Co. Chamber of Commerce
  • American Heart Association (Alabama/Birmingham Chapter) Chair 2014 - 2016
  • Certificate of Excellence in New Construction Platinum Level 2015 - 2022
Note: Blend Labs, Inc. ("Blend") hosts the online mortgage inquiry for Renasant Bank.