Hancock Whitney Bank Mortgage Rates, Fees & Info
Gulfport, MSLEI: NSGZD26XPW2CUM2JKU70
Tax ID: 64-0169065
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Mortgage Data
Review & Overview
Hancock Whitney Bank is a small bank specializing in Home Purchase loans. Hancock Whitney Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: New Orleans, Tampa, Crestview, Houston, and Baton Rouge among others. We have data for 79 markets. (Some data included below & more in-depth data is available with an active subscription.)Hancock Whitney Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Hancock Whitney Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.83% | 11/17/24 |
| 30 Year Conventional Purchase | 6.17% | 11/17/24 |
| 30 Year Conventional Refi | 6.24% | 11/17/24 |
| 30 Year Cash-out Refi | 6.48% | 11/17/24 |
| 30 Year FHA Purchase | 7.17% | 11/17/24 |
| 30 Year FHA Refi | 6.27% | 11/17/24 |
| 30 Year VA Purchase | 5.98% | 11/17/24 |
| 30 Year VA Refi | 6.04% | 11/17/24 |
| 30 Year USDA Purchase | 6.54% | 11/17/24 |
| 15 Year Conventional Purchase | 6.30% | 11/17/24 |
| 15 Year Conventional Refi | 6.21% | 11/17/24 |
| 15 Year Cash-out Refi | 6.21% | 11/17/24 |
| 15 Year FHA Purchase | 5.68% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Hancock Whitney Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,782Origination Dollar Volume (All Markets)
$2,123,260,000Awards
Hancock Whitney Bank - 2022
Hancock Whitney Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1,561 | $422,025,000 | $270,356 | $5,799 | 4.27% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 753 | $392,285,000 | $520,963 | $8,059 | 4.09% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 233 | $232,325,000 | $997,103 | $10,861 | 3.84% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 319 | $165,765,000 | $519,639 | $6,842 | 4.71% |
| BATON ROUGE, LA (FHA|USDA|VA) | 680 | $158,460,000 | $233,029 | $5,699 | 4.29% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 182 | $111,770,000 | $614,121 | $6,618 | 4.09% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 148 | $93,480,000 | $631,622 | $9,024 | 3.93% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 183 | $80,265,000 | $438,607 | $9,074 | 4.15% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 412 | $76,740,000 | $186,262 | $5,222 | 4.46% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 38 | $52,000,000 | $1,368,421 | $9,320 | 3.98% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 91 | $35,785,000 | $393,242 | $6,247 | 4.52% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 99 | $34,115,000 | $344,596 | $6,571 | 4.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 206 | $32,720,000 | $158,835 | $5,446 | 4.62% |
| PANAMA CITY, FL (FHA|USDA|VA) | 70 | $27,830,000 | $397,571 | $7,781 | 4.49% |
| MOBILE, AL (FHA|USDA|VA) | 115 | $27,485,000 | $239,000 | $4,744 | 4.34% |
| Outside of Metro Areas | 75 | $27,105,000 | $361,400 | $8,074 | 4.35% |
| HAMMOND, LA (FHA|USDA|VA) | 106 | $17,830,000 | $168,208 | $5,944 | 4.59% |
| HATTIESBURG, MS (FHA|USDA|VA) | 65 | $13,815,000 | $212,538 | $4,680 | 5.21% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 68 | $13,180,000 | $193,824 | $7,298 | 4.54% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 18 | $10,020,000 | $556,667 | $7,405 | 4.64% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $10,010,000 | $5,005,000 | $0 | 3.54% |
| JACKSON, MS (FHA|USDA|VA) | 33 | $8,945,000 | $271,061 | $4,396 | 4.39% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 43 | $7,895,000 | $183,605 | $4,863 | 4.10% |
| Picayune, MS (FHA|USDA|VA) | 49 | $6,775,000 | $138,265 | $5,146 | 4.80% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $5,090,000 | $848,333 | $7,693 | 3.89% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $4,755,000 | $951,000 | $6,107 | 3.75% |
| Bogalusa, LA (FHA|USDA|VA) | 32 | $4,010,000 | $125,313 | $4,690 | 3.97% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 6 | $4,010,000 | $668,333 | $7,947 | 4.09% |
| Opelousas, LA (FHA|USDA|VA) | 23 | $3,275,000 | $142,391 | $8,101 | 3.10% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $3,075,000 | $279,545 | $8,967 | 4.60% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $2,945,000 | $589,000 | $7,451 | 3.32% |
| Morgan City, LA (FHA|USDA|VA) | 20 | $2,880,000 | $144,000 | $3,892 | 5.01% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 8 | $2,650,000 | $331,250 | $16,981 | 3.62% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 5 | $2,125,000 | $425,000 | $6,101 | 4.42% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $1,860,000 | $930,000 | $7,355 | 3.06% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $5,899 | 3.32% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $5,633 | 5.88% |
| MONROE, LA (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $8,206 | 4.58% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $1,555,000 | $1,555,000 | $7,952 | 2.88% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 10 | $1,380,000 | $138,000 | $10,501 | 3.53% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $1,330,000 | $665,000 | $5,897 | 3.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $10,259 | 4.00% |
| MONTGOMERY, AL (FHA|USDA|VA) | 13 | $1,175,000 | $90,385 | $3,365 | 4.71% |
| Natchitoches, LA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $5,754 | 4.47% |
| Edwards, CO (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $4,006 | 4.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $5,427 | 5.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $4,761 | 4.18% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,067 | 5.67% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $12,414 | 2.63% |
| Palatka, FL (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $7,216 | 4.38% |
| Oxford, MS (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,666 | 4.69% |
| McComb, MS (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $5,865 | 3.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,535 | 4.37% |
| Laurel, MS (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $4,480 | 5.74% |
| OCALA, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,866 | 5.42% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $3,735 | 4.13% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,478 | 3.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $5,350 | 5.16% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,863 | 6.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,026 | 7.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,685 | 6.50% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,593 | 6.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,366 | 3.87% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,527 | 4.13% |
| Jennings, LA (FHA|USDA|VA) | 6 | $340,000 | $56,667 | $0 | 3.61% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,341 | 5.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,741 | 6.20% |
| Brookhaven, MS (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,560 | 3.81% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,557 | 3.75% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,763 | 5.38% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,032 | 3.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 2.99% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,544 | 3.88% |
| TYLER, TX (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 4.75% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.85% |
| Atmore, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,380 | 4.00% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.99% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 2.99% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.20% |
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Product Mix
For 2022, Hancock Whitney Bank's most frequently originated type of loan was HELOC, with 2,792 originations. Their 2nd most popular type was Conventional, with 2,776 originations.
Loan Reason
For 2022, Hancock Whitney Bank's most frequently cited loan purpose was Home Purchase, with 2,618 originations. The 2nd most popular reason was Home Improvement, with 1,381 originations.
Loan Duration/Length
For 2022, Hancock Whitney Bank's most frequently cited loan duration was Other, with 2,748 originations. The 2nd most popular length was 30 Year, with 2,636 originations.
Origination Fees/Closing Costs
Hancock Whitney Bank's average total fees were $7,041, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,402 originations.
Interest Rates
During 2022, Hancock Whitney Bank's average interest rate for loans was 4.53%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,978 originations.
Loan Sizing
2022 saw Hancock Whitney Bank place emphasis on $200k-400k loans with 1,455 originations, totaling $408,415,000 in origination value.
Applicant Income
Hancock Whitney Bank lent most frequently to those with incomes in the $250k+ range, with 1,316 originations. The second most popular income band? $150k-250k, with 1,178 originations.
Applicant Debt to Income Ratio
Hancock Whitney Bank lent most frequently to those with DTI ratios of 20-30%, with 1,326 originations. The next most common DTI ratio? 30-36%, with 1,074 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.87%
Hancock Whitney Bank has a below average approval rate.
Pick Rate
Approvals leading to origination71.52%
Hancock Whitney Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,782 | $2,123,260,000 | $367,219 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,782 | $2,123,260,000 | $367,219 |