# HANCOCK WHITNEY BANK

> **Canonical URL:** https://saferate.com/lenders/hancock-whitney-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HANCOCK WHITNEY BANK is a bank, headquartered in FLOWOOD, MS, serving borrowers across 18 states, with 1,387 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** NSGZD26XPW2CUM2JKU70
- **Headquarters:** FLOWOOD, MS
- **Geographic Reach:** Multi-Region
- **States Served:** 18
- **State List:** AL, AR, CO, FL, GA, IA, IN, KY, LA, MI, MS, MT, NC, OR, SC, TN, TX, VA
- **Markets (MSAs):** 19
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.1%
- **Brokered/Wholesale:** 2.9%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.132%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,952
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,387
- **Dollar Volume:** $404 million
- **Applications Received:** 2,153
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $291,330
- **Average Borrower Income:** $153,307
- **Average Property Value:** $380,703

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 942 | +0.143% | $1,944 | Strong 😀 |
| FHA | 77/100 | 301 | +0.217% | $1,873 | Strong 😀 |
| VA | 71/100 | 75 | -0.434% | $2,154 | Strong 😀 |
| Jumbo | 72/100 | 30 | +0.387% | $2,626 | Strong 😀 |
| USDA | 80/100 | 39 | +0.091% | $1,577 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 840 loans, Score: 77/100 (Strong)
- Refinance: 102 loans, Score: 65/100 (Strong)

**FHA:**
- Purchase: 289 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 69 loans, Score: 70/100 (Strong)

**Jumbo:**
- Purchase: 26 loans, Score: 72/100 (Strong)

**USDA:**
- Purchase: 39 loans, Score: 80/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 1,263 | $371M | +0.123% | Strong 😀 |
| Refinance | 64/100 | 124 | $33M | +0.219% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 799 | 2.30% | 88/100 |
| FL | 261 | 0.09% | 66/100 |
| MS | 162 | 0.65% | 72/100 |
| AL | 100 | 0.17% | 66/100 |
| TX | 43 | 0.01% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Baton Rouge, LA | LA | 288 | 82/100 |
| New Orleans | LA | 247 | 91/100 |
| Tampa, FL | FL | 105 | 67/100 |
| Houma | LA | 86 | 87/100 |
| Mobile, AL | AL | 79 | 79/100 |
| Gulfport | MS | 75 | 75/100 |
| Non |  | 69 | 43/100 |
| Slidell | LA | 68 | 75/100 |
| Lafayette, LA | LA | 47 | 65/100 |
| Jacksonville, FL | FL | 45 | 58/100 |
| North Port | FL | 40 | 60/100 |
| Hattiesburg, MS | MS | 36 | 68/100 |
| Houston | TX | 34 | 50/100 |
| St. Petersburg | FL | 26 | 54/100 |
| Jackson, MS | MS | 24 | 53/100 |

## Where This Lender Ranks

HANCOCK WHITNEY BANK appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Louisiana for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Baton Rouge, LA Banks
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks)
- 🥇 **#1** in Baton Rouge, LA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Baton Rouge, LA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Baton Rouge, LA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Baton Rouge, LA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in New Orleans Banks
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks)
- 🥇 **#1** in New Orleans for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in New Orleans for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Houma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/houma/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Houma for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/houma/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Houma for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/houma/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Slidell Banks
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks)
- 🥇 **#1** in Slidell for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Lafayette, LA Banks
  - [View Full Rankings](https://saferate.com/lafayette-la/best-mortgage-lenders/banks)
- 🥇 **#1** in Lafayette, LA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lafayette-la/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Louisiana Banks
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks)
- 🥈 **#2** in Louisiana for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Louisiana for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Baton Rouge, LA
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does HANCOCK WHITNEY BANK offer?

HANCOCK WHITNEY BANK offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HANCOCK WHITNEY BANK offer mortgages?

HANCOCK WHITNEY BANK offers mortgages in 18 states: AL, AR, CO, FL, GA, IA, IN, KY, LA, MI, MS, MT, NC, OR, SC, TN, TX, VA.

### How competitive are HANCOCK WHITNEY BANK's mortgage rates?

HANCOCK WHITNEY BANK has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.132% above market average.

### What type of lender is HANCOCK WHITNEY BANK?

HANCOCK WHITNEY BANK is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in FLOWOOD, MS.

### What is HANCOCK WHITNEY BANK's loan approval success rate?

HANCOCK WHITNEY BANK has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/hancock-whitney-bank

### How to Cite

> "HANCOCK WHITNEY BANK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hancock-whitney-bank

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