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 score and performance metrics.

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 an overall pricing score of 32.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bank of England?

Bank of England is a Bank headquartered in England, AR.

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Bank of England

Bank•England, ARHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Bank of England — 3.5k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 47 mkts

Awards

FHA

Superstar

USDA

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Bank of England performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+42.4 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 48 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	1,852	53.2%	+0.452%Above	$2,771Fees
FHA Loans	Strong	Exceptional	Sound	Strong	1,203	34.5%	+0.510%Above	$2,938Fees
VA Loans	Strong	Strong	Sound	Strong	320	9.2%	-0.249%Below	$2,263Fees
Jumbo Loans	Sound	Strong	—	Acceptable	18	0.5%	+0.241%Above	$1,157Fees
USDA Loans	Sound	Exceptional	Acceptable	Sound	89	2.6%	+0.341%Above	$2,326Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume1,852

Mix53.2%

Spread

+0.452%Above

Fees

$2,771Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,203

Mix34.5%

Spread

+0.510%Above

Fees

$2,938Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume320

Mix9.2%

Spread

-0.249%Below

Fees

$2,263Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Acceptable

Volume18

Mix0.5%

Spread

+0.241%Above

Fees

$1,157Fees

USDA Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume89

Mix2.6%

Spread

+0.341%Above

Fees

$2,326Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	3,147	90.4%	+0.428%Above	$2,816Fees
Refinance	Sound	Strong	Acceptable	Sound	335	9.6%	+0.396%Above	$2,542Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume3,147

Mix90.4%

Spread

+0.428%Above

Fees

$2,816Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume335

Mix9.6%

Spread

+0.396%Above

Fees

$2,542Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,482

Applications

5,232

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.424%

vs. market APOR

Avg Net Fees

$2,783

Origination − Credits

Pullthrough Rate

66.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$322,881

Avg Borrower Income

$126,405

Avg Property Value

$390,172

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest11

IAILINKSMIMNMONDOHSDWI

South15

ALARFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© DXR · CC BY-SA 4.0

Jacksonville, FLMetro

Volume 510Mix 14.65% of portfolio

88/100

Exceptional

2© Thomas R Machnitzki (thomasmachnitzki.com) · CC BY 3.0

Little Rock, ARMetro

Volume 222Mix 6.38% of portfolio

86/100

Exceptional

3© J654567 · CC BY-SA 3.0

Lexington, KYMetro

Volume 156Mix 4.48% of portfolio

83/100

Exceptional

4© Steve · CC BY-SA 2.0

Milwaukee, WIMetro

Volume 279Mix 8.01% of portfolio

80/100

Strong

Cincinnati, OHMetro

Volume 113Mix 3.25% of portfolio

69/100

Strong

Mobile, ALMetro

Volume 51Mix 1.46% of portfolio

68/100

Strong

North Port, FLMetro

Volume 81Mix 2.33% of portfolio

68/100

Strong

Memphis, TNMetro

Volume 104Mix 2.99% of portfolio

67/100

Strong

Jackson, MSMetro

Volume 59Mix 1.69% of portfolio

64/100

Strong

Crestview, FLMetro

Volume 41Mix 1.18% of portfolio

63/100

Strong

Showing 10 of 47 metro areas

Top States by Place Specialization Score

ArkansasState

Volume 371Mix 10.65% of portfolio

78/100

Strong

KentuckyState

Volume 328Mix 9.42% of portfolio

78/100

Strong

WisconsinState

Volume 352Mix 10.11% of portfolio

76/100

Strong

FloridaState

Volume 785Mix 22.54% of portfolio

75/100

Strong

MississippiState

Volume 193Mix 5.54% of portfolio

72/100

Strong

AlabamaState

Volume 153Mix 4.39% of portfolio

69/100

Strong

TennesseeState

Volume 132Mix 3.79% of portfolio

63/100

Strong

OregonState

Volume 74Mix 2.13% of portfolio

60/100

Sound

ColoradoState

Volume 102Mix 2.93% of portfolio

59/100

Sound

IndianaState

Volume 101Mix 2.90% of portfolio

59/100

Sound

Showing 10 of 32 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.