# Bank of England

> **Canonical URL:** https://saferate.com/lenders/bank-of-england


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Bank of England is a bank, headquartered in England, AR, serving borrowers nationwide, with 3,482 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300GY4NTTEM7WWB64
- **Headquarters:** England, AR
- **Geographic Reach:** National
- **States Served:** 48
- **State List:** AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 48
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.424%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,783
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,482
- **Dollar Volume:** $1.1 billion
- **Applications Received:** 5,232
- **Market Share:** 10.00%

## Typical Borrower Profile

- **Average Loan Amount:** $322,881
- **Average Borrower Income:** $126,405
- **Average Property Value:** $390,172

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 1,852 | +0.452% | $2,771 | Strong 😀 |
| FHA | 83/100 | 1,203 | +0.510% | $2,938 | Exceptional 🤩 |
| VA | 78/100 | 320 | -0.249% | $2,263 | Strong 😀 |
| Jumbo | 63/100 | 18 | +0.241% | $1,157 | Strong 😀 |
| USDA | 85/100 | 89 | +0.341% | $2,326 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,630 loans, Score: 74/100 (Strong)
- Refinance: 222 loans, Score: 67/100 (Strong)

**FHA:**
- Purchase: 1,114 loans, Score: 83/100 (Exceptional)
- Refinance: 89 loans, Score: 77/100 (Strong)

**VA:**
- Purchase: 299 loans, Score: 78/100 (Strong)
- Refinance: 21 loans, Score: 49/100 (Sound)

**USDA:**
- Purchase: 89 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 3,147 | $1.0B | +0.428% | Strong 😀 |
| Refinance | 69/100 | 335 | $100M | +0.396% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 785 | 0.27% | 75/100 |
| AR | 371 | 1.15% | 78/100 |
| WI | 352 | 0.53% | 76/100 |
| KY | 328 | 0.71% | 78/100 |
| MS | 193 | 0.77% | 72/100 |
| AL | 153 | 0.26% | 69/100 |
| TN | 132 | 0.14% | 63/100 |
| TX | 108 | 0.03% | 54/100 |
| CO | 102 | 0.12% | 59/100 |
| IN | 101 | 0.11% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Jacksonville, FL | FL | 510 | 88/100 |
| Non |  | 460 | 69/100 |
| Milwaukee | WI | 279 | 80/100 |
| Little Rock | AR | 222 | 86/100 |
| Lexington | KY | 156 | 83/100 |
| Cincinnati, OH |  | 113 | 69/100 |
| Memphis, TN |  | 104 | 67/100 |
| North Port | FL | 81 | 68/100 |
| Boise City, ID | ID | 70 | 61/100 |
| Portland | OR-WA | 65 | 59/100 |
| Denver | CO | 60 | 56/100 |
| Jackson, MS | MS | 59 | 64/100 |
| Birmingham, AL | AL | 51 | 62/100 |
| Mobile, AL | AL | 51 | 68/100 |
| Las Vegas | NV | 45 | 56/100 |

## Where This Lender Ranks

Bank of England appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Boise City, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Jacksonville, FL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Lexington for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Boise City, ID for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Lexington for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in North Dakota for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/usda-loans)
- 🥉 **#3** in Crestview for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/crestview/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Owensboro, KY for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/owensboro-ky/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in New Haven, CT for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Jacksonville, FL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Milwaukee for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in North Port for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Evansville, IN for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Little Rock for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#5** in Panama City for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Milwaukee for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Memphis, TN for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#6** in North Dakota for USDA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/usda-loans)
- 🏆 **#6** in Evansville, IN Banks
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/banks)
- 🏆 **#6** in Jackson, TN Banks
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Bank of England offer?

Bank of England offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bank of England offer mortgages?

Bank of England is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Bank of England's mortgage rates?

Bank of England has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.424% above market average.

### What type of lender is Bank of England?

Bank of England is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in England, AR.

### What is Bank of England's loan approval success rate?

Bank of England has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bank-of-england

### How to Cite

> "Bank of England Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bank-of-england

---

**[View Interactive Profile →](https://saferate.com/lenders/bank-of-england)**