Hancock Whitney Bank

Gulfport, MS7(a) lenderTop sector: Full-Service Restaurants

Is this my lender?

Loans approved

2,708

FY1991–FY2026

Dollars approved

$804.9M

$336.0M since FY2021

Average loan

$297K

$713K recently

Charge-off rate

3.1%

by dollars · 9.1% by count

Approvals over time

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What they lend against

Full-Service Restaurants105 Full-Service Restaurants65 Limited-Service Restaurants64 Fitness and Recreational Sports Centers50 Limited-Service Restaurants44 General Automotive Repair44

Loan count by NAICS industry, whole record. Each row opens that industry’s profile, where this lender is ranked against everyone else writing it.

Where they lend

Louisiana1,172 · 43%Mississippi565 · 21%Florida544 · 20%Texas271 · 10%Alabama123 · 5%Arkansas7 · 0%Georgia5 · 0%Tennessee5 · 0%

Share is of this lender’s entire book, so the 8 states shown need not sum to 100%. Together they account for 99% of its lending.

At a glance

Rank by recent volume#111 of 2321

First approvalFY1991

Latest approvalFY2026

States lent into8+

What they charge

Typical pricingPrime + 2.50

Median rate 10.25%Fixed 2%296 loans

Median initial rate on this lender's 7(a) loans approved FY2024 onward, against a market median of Prime + 2.75. That is about what the market typically prices. It is the rate at approval, not an offer, and says nothing about fees.

Program mix

7(a) · 100% (2,708)504 · 0% (0)

Split by loan count.

7(a) $804.9M504 $0

Loss rate in context

This lender3.1%

Both programs, all lenders4.6%

Charged-off dollars over dollars approved. By loan count this lender is at 9.1%; the two measures diverge when a book is weighted toward small loans.

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