Hancock Whitney Bank mortgage approval rate & lending review
Hancock Whitney Bank decided 9,613 mortgage applications and funded 7,279 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hancock Whitney Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Hancock Whitney Bank at a glance
Approval is 2.4 points above the 76.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 4,027 / 4,504 | 99% | $265K | 3,978 |
| Home improvement loans | 67% | 2,292 / 3,443 | 91% | $105K | 2,088 |
| Cash-out refinance | 73% | 139 / 191 | 99% | $185K | 138 |
| Refinance | 78% | 719 / 922 | 93% | $165K | 670 |
| Investment property purchase | 86% | 316 / 367 | 93% | $195K | 293 |
| Investment cash-out refinance | 78% | 21 / 27 | 100% | $135K | 21 |
| Investment refinance | 65% | 55 / 84 | 93% | $225K | 51 |
| Investment home improvement | 57% | 43 / 75 | 93% | $205K | 40 |
Hancock Whitney Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 79% | $255K | 5,444 | 4,108 |
| Florida | 81% | $355K | 1,812 | 1,418 |
| Mississippi | 75% | $165K | 875 | 603 |
| Texas | 81% | $305K | 857 | 662 |
| Alabama | 80% | $195K | 578 | 447 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Hancock Whitney Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| East Baton Rouge Parish, LA | Mortgage lenders | 92% | 580 | 528 |
| Orleans Parish, LA | Mortgage lenders | 88% | 423 | 366 |
| Jefferson Parish, LA | Mortgage lenders | 91% | 394 | 354 |
| Jefferson Parish, LA | Home improvement loans | 69% | 428 | 261 |
| St. Tammany Parish, LA | Home improvement loans | 74% | 371 | 259 |
| Hillsborough County, FL | Mortgage lenders | 96% | 269 | 255 |
| Mobile County, AL | Mortgage lenders | 89% | 251 | 222 |
| Orleans Parish, LA | Home improvement loans | 58% | 434 | 218 |
| St. Tammany Parish, LA | Mortgage lenders | 89% | 213 | 187 |
| East Baton Rouge Parish, LA | Home improvement loans | 65% | 303 | 180 |
| Ascension Parish, LA | Mortgage lenders | 93% | 191 | 177 |
| Lafayette Parish, LA | Mortgage lenders | 91% | 140 | 125 |
The county markets where Hancock Whitney Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Hancock Whitney Bank
What is Hancock Whitney Bank's mortgage approval rate?
Hancock Whitney Bank approved 79.2% of the 9,613 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.4 points above the 76.8% national rate for the same mix of loan types.
How often do borrowers take the loan Hancock Whitney Bank offers?
Borrowers accepted 96% of the loans Hancock Whitney Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Hancock Whitney Bank make?
The typical home purchase mortgage loan Hancock Whitney Bank made was $265K; across all loan types its typical loan ran from $105K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hancock Whitney Bank lend?
Hancock Whitney Bank decided applications in 23 of the states Fat Boy Data covers, most of them in Louisiana, Florida and Mississippi.
Can I apply to Hancock Whitney Bank directly?
Yes. Hancock Whitney Bank is a bank or credit union with 187 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Hancock Whitney Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Hancock Whitney Bank treats applications, then get a rate quote from the lender.