Lenders › Hancock Whitney Bank › Florida
Hancock Whitney Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Hancock Whitney Bank's 2024 HMDA record for Florida covers 852 applications, 531 of them originated, worth $214m.
Its denial rate in the state was 22.8%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 26.4%.
The median rate spread on its Florida originations was 0.1 percentage points (state median 0.3).
Applications in the state were down 27% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Hancock Whitney Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 22.8% | 29.0% | 26.4% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.6% | 16.4% | 14.5% | 15.6% |
| Average originated loan | $403k | $359k | $255k | $329k |
| Home purchase share | 55.7% | 62.9% | 46.1% | 57.0% |
| FHA-insured share | 11.3% | 17.7% | 10.2% | 13.4% |
| VA-guaranteed share | 4.7% | 9.5% | 2.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 56% (296)Home improvement 23% (124)Refinancing 5% (28)Cash-out refinancing 2% (9)Other purpose 14% (74)
By type
Conventional 83% (443)FHA 11% (60)VA 5% (25)USDA 1% (3)
Denial reasons as coded
Share of 165 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 127 | 82 | $25m | 19.0% |
| Pinellas County | 114 | 60 | $20m | 28.3% |
| Pasco County | 88 | 54 | $13m | 17.9% |
| Manatee County | 63 | 47 | $14m | 13.0% |
| Duval County | 57 | 39 | $9.2m | 17.0% |
| Escambia County | 56 | 28 | $7.5m | 32.6% |
| Santa Rosa County | 36 | 28 | $6.1m | 20.0% |
| Walton County | 46 | 23 | $42m | 41.9% |
| Leon County | 38 | 22 | $5.3m | 31.4% |
| Sarasota County | 30 | 22 | $8.5m | 17.9% |
| Hernando County | 26 | 21 | $6.1m | — |
| Bay County | 29 | 18 | $5.8m | 28.6% |
| Okaloosa County | 29 | 18 | $4.4m | 29.6% |
| Clay County | 26 | 17 | $4.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Hancock Whitney Bank originate in Florida in 2024?
531 loans totalling $214m, from 852 applications reported for properties in Florida.
What is Hancock Whitney Bank's denial rate in Florida?
22.8% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 26.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Hancock Whitney Bank lend in most?
By originations: Hillsborough County (82), Pinellas County (60), Pasco County (54), Manatee County (47), Duval County (39).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.