Purchase Originations
1,254
Ranked #315 nationally
Median Total Costs
$5,686
−14.9% vs national ($6,680)
↑ $263 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,780
Median Lender Credits
$500
Cost Rank (500+ vol.)
#254
among lenders with 500+ originations
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 859 | 6.375% | $4,891 | $1,814 |
| fha | 272 | 6.000% | $9,380 | $1,806 |
| va | 85 | 6.125% | $6,677 | $1,726 |
| usda | 38 | 6.000% | $6,386 | $1,496 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Louisiana | 765 | 6.250% | $5,672 | #11 |
| Florida | 200 | 6.250% | $5,652 | #161 |
| Mississippi | 102 | 6.375% | $4,598 | #47 |
| Texas | 97 | 6.125% | $6,542 | #280 |
| Alabama | 75 | 6.000% | $6,892 | #108 |
| Tennessee | 4 | 6.562% | $4,901 | — |
| Georgia | 3 | 6.250% | $8,823 | — |
| Oklahoma | 3 | 6.625% | $10,065 | — |
| Arkansas | 1 | 5.750% | $4,117 | — |
| Kentucky | 1 | 6.875% | $3,406 | — |
| North Carolina | 1 | 6.625% | $2,443 | — |
| Ohio | 1 | 6.500% | $2,626 | — |
| Pennsylvania | 1 | 6.375% | $5,613 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,915 | 6.250% | — | 19 | −$1,771 | |
| 2 | $4,866 | 6.312% | — | 38 | −$820 | |
| 3 | $4,892 | 6.250% | — | 28 | −$794 | |
| 4 | $4,908 | 6.125% | — | 81 | −$778 | |
| 5 | $4,919 | 6.250% | — | 42 | −$767 | |
| 6 | $5,064 | 6.125% | — | 27 | −$622 | |
| 7 | $5,162 | 6.375% | — | 63 | −$524 | |
| 8 | $5,254 | 6.375% | — | 65 | −$432 | |
| 9 | $5,367 | 6.625% | — | 14 | −$319 | |
| 10 | $5,615 | 6.375% | — | 19 | −$71 | |
| 11 | $6,223 | 6.250% | — | 186 | +$537 | |
| 12 | $6,346 | 6.250% | — | 12 | +$660 | |
| 13 | $6,408 | 6.562% | — | 14 | +$722 | |
| 14 | $6,472 | 6.375% | — | 77 | +$786 | |
| 15 | $6,549 | 6.250% | — | 37 | +$863 | |
| 16 | $6,684 | 6.125% | — | 51 | +$998 | |
| 17 | $7,090 | 6.125% | — | 24 | +$1,404 | |
| 18 | $7,097 | 6.125% | — | 52 | +$1,411 | |
| 19 | $7,170 | 6.125% | — | 48 | +$1,484 | |
| 20 | $7,349 | 5.938% | — | 64 | +$1,663 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Hancock Whitney Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $5,686 | $7,127 | −$1,441 (−20.2%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.