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
Promptness
Not enough data
—/5
No quote responses measured yet
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
Explore another lender or local market
Report Card
Hancock Whitney Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+13.2 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
942 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
FHA
301 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
VA
75 loans · 0.43% below market
Strong
Top 40% of lenders
4/5
Jumbo
30 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
USDA
39 loans · 0.09% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,263 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
Refinance
124 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 19 markets
Strong
Top 40% of lenders
4/5
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
18Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Midwest3
IAINMI
South12
ALARFLGAKYLAMSNCSCTNTXVA
West3
COMTOR
Top Metro Areas by Place Specialization Score
Showing 10 of 18 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.