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HANCOCK WHITNEY BANK
Bank|FLOWOOD, MS|Multi-Region
Loans Originated
1,387
Applications
2,153
Volume
$404 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.132%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,952
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Report Card
HANCOCK WHITNEY BANK performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 19 metro areas · 18 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$291,330
Average Borrower Income
$153,307
Average Property Value
$380,703
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 942 | 67.9% | +0.143% | $1,944 |
FHA Loans | Strong | Strong | Strong | Strong | 301 | 21.7% | +0.217% | $1,873 |
VA Loans | Strong | Strong | Strong | Strong | 75 | 5.4% | -0.434% | $2,154 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 30 | 2.2% | +0.387% | $2,626 |
USDA Loans | Strong | Exceptional | N/A | Strong | 39 | 2.8% | +0.091% | $1,577 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 1,263 | 91.1% | +0.123% | $1,960 |
Refinance | Strong | Strong | Strong | Sound | 124 | 8.9% | +0.219% | $1,876 |
Geographic Coverage
Metro Areas
18
States Served
18
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARCOFLGAIAINKYLAMIMSMTNCORSCTNTXVA
Top Metro Areas by Place Specialization Score
1
New Orleans, LAMSA
Volume: 247Mix: 17.81%
Place Specialization
Exceptional
2
Houma, LAMSA
Volume: 86Mix: 6.20%
Place Specialization
Exceptional
3
Baton Rouge, LA, LAMSA
Volume: 288Mix: 20.76%
Place Specialization
Exceptional
4
Mobile, AL, ALMSA
Volume: 79Mix: 5.70%
Place Specialization
Strong
5
Slidell, LAMSA
Volume: 68Mix: 4.90%
Place Specialization
Strong
6
Gulfport, MSMSA
Volume: 75Mix: 5.41%
Place Specialization
Strong
7
Hattiesburg, MS, MSMSA
Volume: 36Mix: 2.60%
Place Specialization
Strong
8
Tampa, FL, FLMSA
Volume: 105Mix: 7.57%
Place Specialization
Strong
9
Lafayette, LA, LAMSA
Volume: 47Mix: 3.39%
Place Specialization
Strong
10
North Port, FLMSA
Volume: 40Mix: 2.88%
Place Specialization
Sound
Showing 10 of 18 metro areas
Top States by Place Specialization Score
1
LAState
Volume: 799Mix: 57.61%
Place Specialization
Exceptional
2
MSState
Volume: 162Mix: 11.68%
Place Specialization
Strong
3
FLState
Volume: 261Mix: 18.82%
Place Specialization
Strong
4
ALState
Volume: 100Mix: 7.21%
Place Specialization
Strong
5
TXState
Volume: 43Mix: 3.10%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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