BANK OF ENGLAND
ENGLAND, AR
BANK OF ENGLAND processed 5,645 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 3,672 loans with a 5.4% denial rate. Home Purchase was the primary loan purpose. Based in ENGLAND, AR. The approval rate of 65.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. BANK OF ENGLAND processed 5,645 HMDA-reported mortgage applications in 2024, originating 3,672 loans and denying 304 for a denial rate of 5.4% (applicants themselves withdrew 1,425 files before a decision). The average loan amount was $322,995 at a 6.718% average note rate, and applicants self-reported an average income of $39,000. The lender reports under LEI 549300GY4NTTEM7WWB64 from ENGLAND, AR.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. BANK OF ENGLAND's 65.0% origination rate tells you how often an application turned into funded money; the 5.4% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Debt-to-income ratio, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (3,227 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 3,227 | 2,020 | 175 | $339,050 |
| FHA | 1,798 | 1,225 | 111 | $285,484 |
| VA | 478 | 338 | 9 | $400,146 |
| USDA | 142 | 89 | 9 | $173,380 |
Top loan types — BANK OF ENGLAND
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for BANK OF ENGLAND (LEI: 549300GY4NTTEM7WWB64) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 4,689 | 3,289 | $323,010 |
| Cash-out Refinancing | 616 | 220 | $302,338 |
| Refinancing | 330 | 158 | $367,636 |
| Home Improvement | 5 | 4 | $87,000 |
| Other | 5 | 1 | $143,000 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 3,939 | 67.9% | 4.9% |
| Black or African American | 544 | 56.4% | 8.5% |
| Asian | 179 | 58.7% | 5.6% |
| Joint | 113 | 73.5% | 2.6% |
| American Indian or Alaska Native | 21 | 52.4% | 4.8% |
| Native Hawaiian or Other Pacific Islander | 12 | 75.0% | 8.3% |
| 2 or more minority races | 9 | 88.9% | 0.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 4,198 | 66.8% | 5.2% |
| Hispanic or Latino | 547 | 61.1% | 6.8% |
| Joint | 127 | 62.2% | 6.3% |
Nearby Lenders in AR
Other HMDA-reporting lenders in AR with similar activity. Compare any two side-by-side.
SIMMONS BANK
PINE BLUFF, AR
Centennial Bank
Conway, AR
BANK OZK
LITTLE ROCK, AR
ARKANSAS FEDERAL CREDIT UNION
LITTLE ROCK, AR
FirstTrust Home Loans, Inc.
Sheridan, AR
Mortgage Lending Guides
Frequently Asked Questions
How many mortgage applications did BANK OF ENGLAND process?
What is BANK OF ENGLAND's mortgage approval rate?
What is the average loan amount at BANK OF ENGLAND?
What are the most common reasons for mortgage denial at BANK OF ENGLAND?
What types of mortgage loans does BANK OF ENGLAND offer?
What loan purposes does BANK OF ENGLAND serve?
Where is BANK OF ENGLAND located?
How does BANK OF ENGLAND compare in lending across racial demographics?
Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.