We analyzed every closed loan from Hancock Whitney Bank — 1.4k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 18 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
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
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Report Card
Hancock Whitney Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+13.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 19 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 942 | 67.9% | +0.143%Above | $1,944Fees | ||||
FHA Loans | 301 | 21.7% | +0.217%Above | $1,873Fees | ||||
VA Loans | 75 | 5.4% | -0.434%Below | $2,154Fees | ||||
Jumbo Loans | 30 | 2.2% | +0.387%Above | $2,626Fees | ||||
USDA Loans | — | 39 | 2.8% | +0.091%Above | $1,577Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume942
Mix67.9%
Spread
+0.143%Above
Fees
$1,944Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume301
Mix21.7%
Spread
+0.217%Above
Fees
$1,873Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume75
Mix5.4%
Spread
-0.434%Below
Fees
$2,154Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume30
Mix2.2%
Spread
+0.387%Above
Fees
$2,626Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughStrong
Volume39
Mix2.8%
Spread
+0.091%Above
Fees
$1,577Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,263 | 91.1% | +0.123%Above | $1,960Fees | ||||
Refinance | 124 | 8.9% | +0.219%Above | $1,876Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,263
Mix91.1%
Spread
+0.123%Above
Fees
$1,960Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume124
Mix8.9%
Spread
+0.219%Above
Fees
$1,876Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,387
Applications
2,153
Volume
$404 million
Pricing & Closing
Avg Rate Spread
+0.132%
vs. market APOR
Avg Net Fees
$1,952
Origination − Credits
Pullthrough Rate
64.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$291,330
Avg Borrower Income
$153,307
Avg Property Value
$380,703
Geographic Coverage
Geographic Performance
Metro Areas
18
markets with activity
States Served
18
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
18Midwest3
IAINMI
South12
ALARFLGAKYLAMSNCSCTNTXVA
West3
COMTOR
Top Metro Areas by Place Specialization Score
Volume 247Mix 17.81% of portfolio
91/100
Exceptional
Volume 86Mix 6.20% of portfolio
87/100
Exceptional
Volume 288Mix 20.76% of portfolio
82/100
Exceptional
Volume 79Mix 5.70% of portfolio
79/100
Strong
Volume 68Mix 4.90% of portfolio
75/100
Strong
Volume 75Mix 5.41% of portfolio
75/100
Strong
Volume 36Mix 2.60% of portfolio
68/100
Strong
Volume 105Mix 7.57% of portfolio
67/100
Strong
Volume 47Mix 3.39% of portfolio
65/100
Strong
Volume 40Mix 2.88% of portfolio
60/100
SoundShowing 10 of 18 metro areas
Top States by Place Specialization Score
1
LouisianaState
Volume 799Mix 57.61% of portfolio
88/100
Exceptional2
MississippiState
Volume 162Mix 11.68% of portfolio
72/100
Strong3
FloridaState
Volume 261Mix 18.82% of portfolio
66/100
Strong4
AlabamaState
Volume 100Mix 7.21% of portfolio
66/100
Strong5
TexasState
Volume 43Mix 3.10% of portfolio
46/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.