Bank of England Mortgage Lending & HMDA Data, 2005

In 2005, Bank of England of England, AR reported 2,496 mortgage applications totaling $323.5 million, up 976% from 2004. The average application was for $129,615, and applicants reported an average income of $55,472. 29% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Little Rock-North Little Rock, AR (334), Fayetteville-Springdale-Rogers, AR-MO (98) and Pine Bluff, AR (27) (applications in parentheses).

Mortgage Company & Address Bank of England
Po Box 70
England, AR 72046
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 2,496
Total Mortgage Loan Application Amount $323,520,000
Average Mortgage Loan Application Amount $129,615
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $55,472
Highest Applicant Income $1,536,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of England filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Bank of England by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Pulaski, Arkansas 227 $ 26,332,000 $ 116,000 $ 45,000
Benton, Arkansas 56 $ 7,174,000 $ 128,107 $ 60,000
Washington, Arkansas 40 $ 5,969,000 $ 149,225 $ 59,000
Lonoke, Arkansas 36 $ 3,311,000 $ 91,972 $ 52,000
Saline, Arkansas 35 $ 3,459,000 $ 98,828 $ 54,000
Faulkner, Arkansas 30 $ 3,087,000 $ 102,900 $ 59,000
Jefferson, Arkansas 25 $ 1,849,000 $ 73,960 $ 45,000
Los Angeles, California 16 $ 4,510,000 $ 281,875 $ 68,000
Rankin, Mississippi 15 $ 1,589,000 $ 105,933 $ 53,000
Mecklenburg, North Carolina 12 $ 1,981,000 $ 165,083 $ 56,000
Wake, North Carolina 12 $ 2,560,000 $ 213,333 $ 42,000
Baxter, Arkansas 11 $ 929,000 $ 84,454 $ 56,000
Craighead, Arkansas 11 $ 873,000 $ 79,363 $ 34,000
Garland, Arkansas 11 $ 1,463,000 $ 133,000 $ 65,000
Clark, Nevada 11 $ 1,978,000 $ 179,818 $ 75,000
Sebastian, Arkansas 10 $ 938,000 $ 93,800 $ 28,000
Forsyth, North Carolina 10 $ 1,352,000 $ 135,200 $ 45,000
Maricopa, Arizona 9 $ 2,702,000 $ 300,222 $ 173,000
Cook, Illinois 9 $ 1,611,000 $ 179,000 $ 59,000
Jackson, Mississippi 9 $ 1,046,000 $ 116,222 $ 61,000
Jefferson, Alabama 8 $ 732,000 $ 91,500 $ 30,000
Cleburne, Arkansas 8 $ 836,000 $ 104,500 $ 59,000
Pope, Arkansas 8 $ 882,000 $ 110,250 $ 63,000
White, Arkansas 8 $ 852,000 $ 106,500 $ 62,000
Carroll, Arkansas 7 $ 1,017,000 $ 145,285 $ 82,000
Will, Illinois 7 $ 1,128,000 $ 161,142 $ 80,000
Wayne, Michigan 7 $ 868,000 $ 124,000 $ 49,000
Guilford, North Carolina 7 $ 975,000 $ 139,285 $ 48,000
Boone, Arkansas 5 $ 490,000 $ 98,000 $ 39,000
Crawford, Arkansas 5 $ 627,000 $ 125,400 $ 66,000
Crittenden, Arkansas 5 $ 396,000 $ 79,200 $ 92,000
Hot Spring, Arkansas 5 $ 412,000 $ 82,400 $ 93,000
Alameda, California 5 $ 1,728,000 $ 345,600 $ 85,000
New Haven, Connecticut 5 $ 879,000 $ 175,800 $ 50,000
Harrison, Mississippi 5 $ 449,000 $ 89,800 $ 43,000
Hinds, Mississippi 5 $ 563,000 $ 112,600 $ 47,000
Tulsa, Oklahoma 5 $ 768,000 $ 153,600 $ 77,000
Matanuska-Susitna, Alaska 4 $ 456,000 $ 114,000 $ 58,000
Arkansas, Arkansas 4 $ 287,000 $ 71,750 $ 54,000
Grant, Arkansas 4 $ 381,000 $ 95,250 $ 73,000
Logan, Arkansas 4 $ 261,000 $ 65,250 $ 40,000
Orange, California 4 $ 1,456,000 $ 364,000 $ 93,000
San Diego, California 4 $ 495,000 $ 123,750 $ 34,000
Palm Beach, Florida 4 $ 666,000 $ 166,500 $ 141,000
DeKalb, Georgia 4 $ 439,000 $ 109,750 $ 48,000
McHenry, Illinois 4 $ 1,107,000 $ 276,750 $ 74,000
Oakland, Michigan 4 $ 1,055,000 $ 263,750 $ 115,000
Oklahoma, Oklahoma 4 $ 569,000 $ 142,250 $ 56,000
Madison, Alabama 3 $ 371,000 $ 123,666 $ 80,000
Anchorage, Alaska 3 $ 550,000 $ 183,333 $ 64,000
Conway, Arkansas 3 $ 327,000 $ 109,000 $ 50,000
Cross, Arkansas 3 $ 237,000 $ 79,000 $ 38,000
Desha, Arkansas 3 $ 277,000 $ 92,333 $ 86,000
Poinsett, Arkansas 3 $ 252,000 $ 84,000 $ 93,000
Sevier, Arkansas 3 $ 342,000 $ 114,000 $ 47,000
Union, Arkansas 3 $ 252,000 $ 84,000 $ 34,000
San Bernardino, California 3 $ 830,000 $ 276,666 $ 83,000
Ventura, California 3 $ 1,197,000 $ 399,000 $ 80,000
Hartford, Connecticut 3 $ 360,000 $ 120,000 $ 18,000
Middlesex, Connecticut 3 $ 362,000 $ 120,666 $ 61,000
Lake, Florida 3 $ 299,000 $ 99,666 $ 42,000
Seminole, Florida 3 $ 807,000 $ 269,000 $ 54,000
Cherokee, Georgia 3 $ 359,000 $ 119,666 $ 144,000
Fulton, Georgia 3 $ 266,000 $ 88,666 $ 37,000
Honolulu, Hawaii 3 $ 296,000 $ 98,666 $ 47,000
DuPage, Illinois 3 $ 353,000 $ 117,666 $ 48,000
Madison, Illinois 3 $ 242,000 $ 80,666 $ 14,000
St. Clair, Illinois 3 $ 155,000 $ 51,666 $ 22,000
Johnson, Kansas 3 $ 354,000 $ 118,000 $ 65,000
Muskegon, Michigan 3 $ 503,000 $ 167,666 $ 47,000
DeSoto, Mississippi 3 $ 523,000 $ 174,333 $ 40,000
Warren, Mississippi 3 $ 217,000 $ 72,333 $ 32,000
Jackson, Missouri 3 $ 255,000 $ 85,000 $ 59,000
St. Louis, Missouri 3 $ 374,000 $ 124,666 $ 85,000
Washoe, Nevada 3 $ 674,000 $ 224,666 $ 90,000
Jefferson, New York 3 $ 275,000 $ 91,666 $ 44,000
New York, New York 3 $ 1,479,000 $ 493,000 $ 235,000
Cleveland, North Carolina 3 $ 325,000 $ 108,333 $ 51,000
Hoke, North Carolina 3 $ 339,000 $ 113,000 $ 34,000
Johnston, North Carolina 3 $ 549,000 $ 183,000 $ 72,000
Union, North Carolina 3 $ 694,000 $ 231,333 $ 77,000
Tarrant, Texas 3 $ 1,512,000 $ 504,000 $ 85,000
Salt Lake, Utah 3 $ 563,000 $ 187,666 $ 56,000
Fairfax, Virginia 3 $ 1,138,000 $ 379,333 $ 128,000
Milwaukee, Wisconsin 3 $ 408,000 $ 136,000 $ 33,000
Walworth, Wisconsin 3 $ 587,000 $ 195,666 $ 51,000
Marion, Alabama 2 $ 152,000 $ 76,000 $ 25,000
Mobile, Alabama 2 $ 156,000 $ 78,000 $ 76,000
Ashley, Arkansas 2 $ 128,000 $ 64,000 $ 55,000
Chicot, Arkansas 2 $ 90,000 $ 45,000 $ 26,000
Independence, Arkansas 2 $ 108,000 $ 54,000 $ 44,000
Little River, Arkansas 2 $ 127,000 $ 63,500 $ 39,000
Madison, Arkansas 2 $ 155,000 $ 77,500 $ 38,000
Miller, Arkansas 2 $ 102,000 $ 51,000 $ 39,000
Mississippi, Arkansas 2 $ 184,000 $ 92,000 $ 80,000
Ouachita, Arkansas 2 $ 86,000 $ 43,000 $ 28,000
Perry, Arkansas 2 $ 182,000 $ 91,000 $ 35,000
Pike, Arkansas 2 $ 81,000 $ 40,500 $ 41,000
Polk, Arkansas 2 $ 126,000 $ 63,000 $ 30,000
Randolph, Arkansas 2 $ 318,000 $ 159,000 $ 54,000
St. Francis, Arkansas 2 $ 150,000 $ 75,000 $ 13,000
Yell, Arkansas 2 $ 153,000 $ 76,500 $ 20,000
San Francisco, California 2 $ 400,000 $ 200,000 $ 0
San Luis Obispo, California 2 $ 655,000 $ 327,500 $ 37,000
San Mateo, California 2 $ 1,100,000 $ 550,000 $ 72,000
Solano, California 2 $ 809,000 $ 404,500 $ 75,000
Arapahoe, Colorado 2 $ 363,000 $ 181,500 $ 23,000
Fairfield, Connecticut 2 $ 470,000 $ 235,000 $ 146,000
Brevard, Florida 2 $ 292,000 $ 146,000 $ 76,000
Bartow, Georgia 2 $ 239,000 $ 119,500 $ 38,000
Carroll, Georgia 2 $ 207,000 $ 103,500 $ 41,000
Douglas, Georgia 2 $ 269,000 $ 134,500 $ 56,000
Glynn, Georgia 2 $ 254,000 $ 127,000 $ 40,000
Gwinnett, Georgia 2 $ 252,000 $ 126,000 $ 45,000
Hall, Georgia 2 $ 175,000 $ 87,500 $ 45,000
Paulding, Georgia 2 $ 223,000 $ 111,500 $ 54,000
Jefferson, Illinois 2 $ 328,000 $ 164,000 $ 64,000
Lake, Illinois 2 $ 202,000 $ 101,000 $ 63,000
McLean, Illinois 2 $ 183,000 $ 91,500 $ 61,000
Marion, Indiana 2 $ 150,000 $ 75,000 $ 32,000
Finney, Kansas 2 $ 378,000 $ 189,000 $ 84,000
Sedgwick, Kansas 2 $ 392,000 $ 196,000 $ 47,000
East Baton Rouge, Louisiana 2 $ 234,000 $ 117,000 $ 50,000
Cumberland, Maine 2 $ 425,000 $ 212,500 $ 38,000
Allegan, Michigan 2 $ 174,000 $ 87,000 $ 74,000
Livingston, Michigan 2 $ 380,000 $ 190,000 $ 95,000
Newaygo, Michigan 2 $ 214,000 $ 107,000 $ 34,000
Ottawa, Michigan 2 $ 281,000 $ 140,500 $ 43,000
St. Clair, Michigan 2 $ 258,000 $ 129,000 $ 53,000
Forrest, Mississippi 2 $ 178,000 $ 89,000 $ 58,000
Hancock, Mississippi 2 $ 155,000 $ 77,500 $ 10,000
Jones, Mississippi 2 $ 141,000 $ 70,500 $ 56,000
Lamar, Mississippi 2 $ 277,000 $ 138,500 $ 68,000
Lauderdale, Mississippi 2 $ 173,000 $ 86,500 $ 15,000
Madison, Mississippi 2 $ 208,000 $ 104,000 $ 56,000
Marion, Mississippi 2 $ 104,000 $ 52,000 $ 20,000
Pike, Mississippi 2 $ 95,000 $ 47,500 $ 26,000
Scott, Mississippi 2 $ 250,000 $ 125,000 $ 47,000
Greene, Missouri 2 $ 226,000 $ 113,000 $ 71,000
Taney, Missouri 2 $ 361,000 $ 180,500 $ 30,000
Kings, New York 2 $ 267,000 $ 133,500 $ 66,000
Nassau, New York 2 $ 331,000 $ 165,500 $ 30,000
Brunswick, North Carolina 2 $ 177,000 $ 88,500 $ 39,000
Buncombe, North Carolina 2 $ 237,000 $ 118,500 $ 28,000
Cabarrus, North Carolina 2 $ 292,000 $ 146,000 $ 80,000
Cherokee, North Carolina 2 $ 290,000 $ 145,000 $ 77,000
Davidson, North Carolina 2 $ 78,000 $ 39,000 $ 39,000
Franklin, North Carolina 2 $ 243,000 $ 121,500 $ 39,000
Gaston, North Carolina 2 $ 195,000 $ 97,500 $ 32,000
New Hanover, North Carolina 2 $ 318,000 $ 159,000 $ 80,000
Orange, North Carolina 2 $ 375,000 $ 187,500 $ 24,000
Randolph, North Carolina 2 $ 326,000 $ 163,000 $ 40,000
Cleveland, Oklahoma 2 $ 182,000 $ 91,000 $ 63,000
Allegheny, Pennsylvania 2 $ 227,000 $ 113,500 $ 72,000
Montgomery, Pennsylvania 2 $ 437,000 $ 218,500 $ 63,000
Charleston, South Carolina 2 $ 1,007,000 $ 503,500 $ 233,000
Richland, South Carolina 2 $ 310,000 $ 155,000 $ 24,000
Shelby, Tennessee 2 $ 308,000 $ 154,000 $ 46,000
Bexar, Texas 2 $ 306,000 $ 153,000 $ 58,000
Dallas, Texas 2 $ 177,000 $ 88,500 $ 61,000
Harris, Texas 2 $ 359,000 $ 179,500 $ 59,000
Chesterfield, Virginia 2 $ 244,000 $ 122,000 $ 57,000
Prince William, Virginia 2 $ 571,000 $ 285,500 $ 55,000
Dane, Wisconsin 2 $ 620,000 $ 310,000 $ 114,000
Waukesha, Wisconsin 2 $ 432,000 $ 216,000 $ 91,000
Cleburne, Alabama 1 $ 73,000 $ 73,000 $ 101,000
Etowah, Alabama 1 $ 101,000 $ 101,000 $ 92,000
Houston, Alabama 1 $ 117,000 $ 117,000 $ 66,000
Lee, Alabama 1 $ 164,000 $ 164,000 $ 79,000
Limestone, Alabama 1 $ 120,000 $ 120,000 $ 58,000
Marshall, Alabama 1 $ 80,000 $ 80,000 $ 57,000
Montgomery, Alabama 1 $ 137,000 $ 137,000 $ 31,000
Morgan, Alabama 1 $ 57,000 $ 57,000 $ 18,000
Shelby, Alabama 1 $ 360,000 $ 360,000 $ 102,000
Talladega, Alabama 1 $ 152,000 $ 152,000 $ 46,000
Sitka, Alaska 1 $ 230,000 $ 230,000 $ 66,000
Pima, Arizona 1 $ 110,000 $ 110,000 $ 42,000
Clay, Arkansas 1 $ 32,000 $ 32,000 $ 25,000
Cleveland, Arkansas 1 $ 104,000 $ 104,000 $ 84,000
Columbia, Arkansas 1 $ 50,000 $ 50,000 $ 35,000
Fulton, Arkansas 1 $ 100,000 $ 100,000 $ 471,000
Greene, Arkansas 1 $ 82,000 $ 82,000 $ 54,000
Howard, Arkansas 1 $ 78,000 $ 78,000 $ 68,000
Izard, Arkansas 1 $ 63,000 $ 63,000 $ 42,000
Jackson, Arkansas 1 $ 55,000 $ 55,000 $ 40,000
Johnson, Arkansas 1 $ 75,000 $ 75,000 $ 35,000
Lafayette, Arkansas 1 $ 71,000 $ 71,000 $ 48,000
Lawrence, Arkansas 1 $ 46,000 $ 46,000 $ 26,000
Lincoln, Arkansas 1 $ 48,000 $ 48,000 $ 41,000
Phillips, Arkansas 1 $ 42,000 $ 42,000 $ 42,000
Prairie, Arkansas 1 $ 63,000 $ 63,000 $ 24,000
Stone, Arkansas 1 $ 132,000 $ 132,000 $ 78,000
Kern, California 1 $ 270,000 $ 270,000 $ 85,000
Lake, California 1 $ 57,000 $ 57,000 $ 12,000
Merced, California 1 $ 50,000 $ 50,000 $ 67,000
Placer, California 1 $ 375,000 $ 375,000 $ 77,000
Riverside, California 1 $ 145,000 $ 145,000 $ 31,000
Sacramento, California 1 $ 150,000 $ 150,000 $ 96,000
Santa Barbara, California 1 $ 528,000 $ 528,000 $ 72,000
Sonoma, California 1 $ 187,000 $ 187,000 $ 92,000
Sutter, California 1 $ 360,000 $ 360,000 $ 65,000
Adams, Colorado 1 $ 129,000 $ 129,000 $ 55,000
Gunnison, Colorado 1 $ 192,000 $ 192,000 $ 50,000
Mesa, Colorado 1 $ 89,000 $ 89,000 $ 40,000
Litchfield, Connecticut 1 $ 103,000 $ 103,000 $ 94,000
Broward, Florida 1 $ 146,000 $ 146,000 $ 31,000
Clay, Florida 1 $ 98,000 $ 98,000 $ 53,000
Lee, Florida 1 $ 76,000 $ 76,000 $ 20,000
Miami-Dade, Florida 1 $ 195,000 $ 195,000 $ 39,000
Orange, Florida 1 $ 234,000 $ 234,000 $ 247,000
Putnam, Florida 1 $ 130,000 $ 130,000 $ 53,000
Catoosa, Georgia 1 $ 49,000 $ 49,000 $ 21,000
Chatham, Georgia 1 $ 100,000 $ 100,000 $ 77,000
Clayton, Georgia 1 $ 80,000 $ 80,000 $ 27,000
Cobb, Georgia 1 $ 110,000 $ 110,000 $ 36,000
Coffee, Georgia 1 $ 57,000 $ 57,000 $ 21,000
Columbia, Georgia 1 $ 165,000 $ 165,000 $ 99,000
Dougherty, Georgia 1 $ 164,000 $ 164,000 $ 70,000
Forsyth, Georgia 1 $ 238,000 $ 238,000 $ 85,000
Henry, Georgia 1 $ 255,000 $ 255,000 $ 45,000
Jasper, Georgia 1 $ 82,000 $ 82,000 $ 54,000
Lowndes, Georgia 1 $ 270,000 $ 270,000 $ 98,000
Madison, Georgia 1 $ 230,000 $ 230,000 $ 53,000
Murray, Georgia 1 $ 54,000 $ 54,000 $ 29,000
Muscogee, Georgia 1 $ 135,000 $ 135,000 $ 30,000
Walton, Georgia 1 $ 201,000 $ 201,000 $ 0
Ware, Georgia 1 $ 70,000 $ 70,000 $ 28,000
Kauai, Hawaii 1 $ 405,000 $ 405,000 $ 240,000
Ada, Idaho 1 $ 96,000 $ 96,000 $ 19,000
Franklin, Idaho 1 $ 56,000 $ 56,000 $ 36,000
Latah, Idaho 1 $ 104,000 $ 104,000 $ 36,000
Payette, Idaho 1 $ 262,000 $ 262,000 $ 96,000
Twin Falls, Idaho 1 $ 86,000 $ 86,000 $ 46,000
Adams, Illinois 1 $ 28,000 $ 28,000 $ 588,000
Clark, Illinois 1 $ 82,000 $ 82,000 $ 0
Fulton, Illinois 1 $ 95,000 $ 95,000 $ 48,000
Kane, Illinois 1 $ 15,000 $ 15,000 $ 40,000
Lee, Illinois 1 $ 74,000 $ 74,000 $ 51,000
Livingston, Illinois 1 $ 150,000 $ 150,000 $ 102,000
Macon, Illinois 1 $ 125,000 $ 125,000 $ 50,000
Ogle, Illinois 1 $ 180,000 $ 180,000 $ 83,000
Peoria, Illinois 1 $ 100,000 $ 100,000 $ 37,000
Richland, Illinois 1 $ 89,000 $ 89,000 $ 40,000
Sangamon, Illinois 1 $ 76,000 $ 76,000 $ 46,000
Stephenson, Illinois 1 $ 90,000 $ 90,000 $ 37,000
Vermilion, Illinois 1 $ 259,000 $ 259,000 $ 660,000
White, Illinois 1 $ 312,000 $ 312,000 $ 66,000
Whiteside, Illinois 1 $ 172,000 $ 172,000 $ 128,000
Woodford, Illinois 1 $ 53,000 $ 53,000 $ 0
Allen, Indiana 1 $ 70,000 $ 70,000 $ 19,000
Harrison, Indiana 1 $ 85,000 $ 85,000 $ 31,000
Johnson, Indiana 1 $ 160,000 $ 160,000 $ 36,000
Rush, Indiana 1 $ 50,000 $ 50,000 $ 0
Spencer, Indiana 1 $ 83,000 $ 83,000 $ 40,000
Steuben, Indiana 1 $ 98,000 $ 98,000 $ 54,000
Coffey, Kansas 1 $ 125,000 $ 125,000 $ 33,000
Labette, Kansas 1 $ 113,000 $ 113,000 $ 44,000
Linn, Kansas 1 $ 90,000 $ 90,000 $ 31,000
Shawnee, Kansas 1 $ 88,000 $ 88,000 $ 42,000
Sumner, Kansas 1 $ 105,000 $ 105,000 $ 74,000
Wyandotte, Kansas 1 $ 60,000 $ 60,000 $ 0
Christian, Kentucky 1 $ 65,000 $ 65,000 $ 0
Madison, Kentucky 1 $ 135,000 $ 135,000 $ 34,000
Mason, Kentucky 1 $ 305,000 $ 305,000 $ 51,000
De Soto, Louisiana 1 $ 223,000 $ 223,000 $ 264,000
Livingston, Louisiana 1 $ 180,000 $ 180,000 $ 0
Ouachita, Louisiana 1 $ 65,000 $ 65,000 $ 58,000
Allegany, Maryland 1 $ 120,000 $ 120,000 $ 72,000
Anne Arundel, Maryland 1 $ 170,000 $ 170,000 $ 40,000
Baltimore, Maryland 1 $ 116,000 $ 116,000 $ 47,000
Baltimore City, Maryland 1 $ 106,000 $ 106,000 $ 0
Worcester, Maryland 1 $ 98,000 $ 98,000 $ 56,000
Franklin, Massachusetts 1 $ 170,000 $ 170,000 $ 98,000
Middlesex, Massachusetts 1 $ 227,000 $ 227,000 $ 53,000
Bay, Michigan 1 $ 100,000 $ 100,000 $ 30,000
Eaton, Michigan 1 $ 167,000 $ 167,000 $ 62,000
Grand Traverse, Michigan 1 $ 128,000 $ 128,000 $ 46,000
Gratiot, Michigan 1 $ 65,000 $ 65,000 $ 25,000
Kent, Michigan 1 $ 126,000 $ 126,000 $ 51,000
Macomb, Michigan 1 $ 123,000 $ 123,000 $ 58,000
Monroe, Michigan 1 $ 40,000 $ 40,000 $ 34,000
Sanilac, Michigan 1 $ 86,000 $ 86,000 $ 55,000
Van Buren, Michigan 1 $ 160,000 $ 160,000 $ 52,000
Anoka, Minnesota 1 $ 127,000 $ 127,000 $ 48,000
Dakota, Minnesota 1 $ 292,000 $ 292,000 $ 55,000
Hennepin, Minnesota 1 $ 108,000 $ 108,000 $ 98,000
Mille Lacs, Minnesota 1 $ 250,000 $ 250,000 $ 50,000
Sherburne, Minnesota 1 $ 110,000 $ 110,000 $ 53,000
Washington, Minnesota 1 $ 151,000 $ 151,000 $ 42,000
Choctaw, Mississippi 1 $ 32,000 $ 32,000 $ 30,000
Claiborne, Mississippi 1 $ 160,000 $ 160,000 $ 0
Clarke, Mississippi 1 $ 77,000 $ 77,000 $ 43,000
Coahoma, Mississippi 1 $ 90,000 $ 90,000 $ 0
Lowndes, Mississippi 1 $ 38,000 $ 38,000 $ 78,000
Monroe, Mississippi 1 $ 120,000 $ 120,000 $ 0
Newton, Mississippi 1 $ 65,000 $ 65,000 $ 84,000
Oktibbeha, Mississippi 1 $ 146,000 $ 146,000 $ 65,000
Pontotoc, Mississippi 1 $ 50,000 $ 50,000 $ 34,000
Prentiss, Mississippi 1 $ 60,000 $ 60,000 $ 18,000
Sunflower, Mississippi 1 $ 27,000 $ 27,000 $ 34,000
Tishomingo, Mississippi 1 $ 50,000 $ 50,000 $ 36,000
Washington, Mississippi 1 $ 68,000 $ 68,000 $ 48,000
Buchanan, Missouri 1 $ 119,000 $ 119,000 $ 45,000
Cass, Missouri 1 $ 120,000 $ 120,000 $ 80,000
Clark, Missouri 1 $ 27,000 $ 27,000 $ 0
Franklin, Missouri 1 $ 35,000 $ 35,000 $ 0
Jefferson, Missouri 1 $ 94,000 $ 94,000 $ 74,000
Morgan, Missouri 1 $ 81,000 $ 81,000 $ 24,000
Pettis, Missouri 1 $ 95,000 $ 95,000 $ 12,000
Saline, Missouri 1 $ 62,000 $ 62,000 $ 26,000
St. Charles, Missouri 1 $ 231,000 $ 231,000 $ 76,000
Storey, Nevada 1 $ 395,000 $ 395,000 $ 42,000
Hillsborough, New Hampshire 1 $ 92,000 $ 92,000 $ 72,000
Merrimack, New Hampshire 1 $ 125,000 $ 125,000 $ 30,000
Middlesex, New Jersey 1 $ 297,000 $ 297,000 $ 122,000
Monmouth, New Jersey 1 $ 165,000 $ 165,000 $ 136,000
Morris, New Jersey 1 $ 175,000 $ 175,000 $ 156,000
Chaves, New Mexico 1 $ 143,000 $ 143,000 $ 29,000
Eddy, New Mexico 1 $ 75,000 $ 75,000 $ 67,000
Lea, New Mexico 1 $ 55,000 $ 55,000 $ 30,000
Santa Fe, New Mexico 1 $ 508,000 $ 508,000 $ 168,000
Torrance, New Mexico 1 $ 92,000 $ 92,000 $ 52,000
Bronx, New York 1 $ 441,000 $ 441,000 $ 0
Broome, New York 1 $ 86,000 $ 86,000 $ 48,000
Chautauqua, New York 1 $ 124,000 $ 124,000 $ 38,000
Columbia, New York 1 $ 228,000 $ 228,000 $ 81,000
Delaware, New York 1 $ 121,000 $ 121,000 $ 36,000
Dutchess, New York 1 $ 290,000 $ 290,000 $ 84,000
Erie, New York 1 $ 70,000 $ 70,000 $ 29,000
Essex, New York 1 $ 290,000 $ 290,000 $ 0
Monroe, New York 1 $ 142,000 $ 142,000 $ 239,000
Onondaga, New York 1 $ 113,000 $ 113,000 $ 0
Putnam, New York 1 $ 94,000 $ 94,000 $ 96,000
Rensselaer, New York 1 $ 66,000 $ 66,000 $ 113,000
Rockland, New York 1 $ 447,000 $ 447,000 $ 102,000
Saratoga, New York 1 $ 67,000 $ 67,000 $ 70,000
Schoharie, New York 1 $ 109,000 $ 109,000 $ 40,000
Schuyler, New York 1 $ 70,000 $ 70,000 $ 78,000
Suffolk, New York 1 $ 209,000 $ 209,000 $ 50,000
Sullivan, New York 1 $ 174,000 $ 174,000 $ 0
Westchester, New York 1 $ 244,000 $ 244,000 $ 165,000
Beaufort, North Carolina 1 $ 167,000 $ 167,000 $ 48,000
Bladen, North Carolina 1 $ 101,000 $ 101,000 $ 53,000
Caldwell, North Carolina 1 $ 65,000 $ 65,000 $ 29,000
Catawba, North Carolina 1 $ 56,000 $ 56,000 $ 29,000
Craven, North Carolina 1 $ 80,000 $ 80,000 $ 45,000
Cumberland, North Carolina 1 $ 107,000 $ 107,000 $ 90,000
Currituck, North Carolina 1 $ 195,000 $ 195,000 $ 75,000
Davie, North Carolina 1 $ 160,000 $ 160,000 $ 83,000
Duplin, North Carolina 1 $ 50,000 $ 50,000 $ 60,000
Granville, North Carolina 1 $ 81,000 $ 81,000 $ 68,000
Haywood, North Carolina 1 $ 72,000 $ 72,000 $ 30,000
Jackson, North Carolina 1 $ 82,000 $ 82,000 $ 63,000
Lenoir, North Carolina 1 $ 124,000 $ 124,000 $ 36,000
Lincoln, North Carolina 1 $ 80,000 $ 80,000 $ 29,000
Madison, North Carolina 1 $ 225,000 $ 225,000 $ 102,000
Nash, North Carolina 1 $ 80,000 $ 80,000 $ 76,000
Onslow, North Carolina 1 $ 275,000 $ 275,000 $ 96,000
Pender, North Carolina 1 $ 50,000 $ 50,000 $ 27,000
Pitt, North Carolina 1 $ 85,000 $ 85,000 $ 38,000
Rockingham, North Carolina 1 $ 113,000 $ 113,000 $ 44,000
Rutherford, North Carolina 1 $ 105,000 $ 105,000 $ 61,000
Watauga, North Carolina 1 $ 113,000 $ 113,000 $ 34,000
Wilkes, North Carolina 1 $ 72,000 $ 72,000 $ 55,000
Wilson, North Carolina 1 $ 69,000 $ 69,000 $ 56,000
Yadkin, North Carolina 1 $ 93,000 $ 93,000 $ 0
Belmont, Ohio 1 $ 180,000 $ 180,000 $ 50,000
Clark, Ohio 1 $ 65,000 $ 65,000 $ 32,000
Cuyahoga, Ohio 1 $ 180,000 $ 180,000 $ 0
Hamilton, Ohio 1 $ 90,000 $ 90,000 $ 48,000
Montgomery, Ohio 1 $ 70,000 $ 70,000 $ 34,000
Seneca, Ohio 1 $ 50,000 $ 50,000 $ 40,000
Summit, Ohio 1 $ 235,000 $ 235,000 $ 63,000
Blaine, Oklahoma 1 $ 130,000 $ 130,000 $ 150,000
Carter, Oklahoma 1 $ 45,000 $ 45,000 $ 41,000
Grady, Oklahoma 1 $ 28,000 $ 28,000 $ 13,000
Le Flore, Oklahoma 1 $ 50,000 $ 50,000 $ 40,000
Muskogee, Oklahoma 1 $ 60,000 $ 60,000 $ 42,000
Wagoner, Oklahoma 1 $ 143,000 $ 143,000 $ 54,000
Washington, Oklahoma 1 $ 86,000 $ 86,000 $ 144,000
Clackamas, Oregon 1 $ 110,000 $ 110,000 $ 0
Carbon, Pennsylvania 1 $ 140,000 $ 140,000 $ 82,000
Philadelphia, Pennsylvania 1 $ 49,000 $ 49,000 $ 37,000
Westmoreland, Pennsylvania 1 $ 126,000 $ 126,000 $ 65,000
Anderson, South Carolina 1 $ 107,000 $ 107,000 $ 36,000
Horry, South Carolina 1 $ 195,000 $ 195,000 $ 65,000
Pickens, South Carolina 1 $ 140,000 $ 140,000 $ 0
Sumter, South Carolina 1 $ 10,000 $ 10,000 $ 6,000
Meade, South Dakota 1 $ 45,000 $ 45,000 $ 28,000
Minnehaha, South Dakota 1 $ 99,000 $ 99,000 $ 26,000
Davidson, Tennessee 1 $ 135,000 $ 135,000 $ 35,000
Dickson, Tennessee 1 $ 156,000 $ 156,000 $ 60,000
Hamilton, Tennessee 1 $ 83,000 $ 83,000 $ 20,000
Washington, Tennessee 1 $ 83,000 $ 83,000 $ 58,000
Williamson, Tennessee 1 $ 253,000 $ 253,000 $ 75,000
Collin, Texas 1 $ 398,000 $ 398,000 $ 200,000
Cooke, Texas 1 $ 133,000 $ 133,000 $ 72,000
Fort Bend, Texas 1 $ 111,000 $ 111,000 $ 36,000
Sutton, Texas 1 $ 86,000 $ 86,000 $ 25,000
Webb, Texas 1 $ 675,000 $ 675,000 $ 240,000
Tooele, Utah 1 $ 92,000 $ 92,000 $ 54,000
Weber, Utah 1 $ 113,000 $ 113,000 $ 33,000
Albemarle, Virginia 1 $ 85,000 $ 85,000 $ 58,000
Bedford, Virginia 1 $ 53,000 $ 53,000 $ 16,000
Chesapeake, Virginia 1 $ 257,000 $ 257,000 $ 80,000
Danville, Virginia 1 $ 203,000 $ 203,000 $ 117,000
Dinwiddie, Virginia 1 $ 156,000 $ 156,000 $ 150,000
Hampton, Virginia 1 $ 140,000 $ 140,000 $ 113,000
Henrico, Virginia 1 $ 95,000 $ 95,000 $ 26,000
Montgomery, Virginia 1 $ 137,000 $ 137,000 $ 73,000
Newport News, Virginia 1 $ 163,000 $ 163,000 $ 62,000
Orange, Virginia 1 $ 233,000 $ 233,000 $ 0
Portsmouth, Virginia 1 $ 207,000 $ 207,000 $ 72,000
Prince George, Virginia 1 $ 94,000 $ 94,000 $ 42,000
Rockingham, Virginia 1 $ 45,000 $ 45,000 $ 32,000
Suffolk, Virginia 1 $ 150,000 $ 150,000 $ 60,000
Virginia Beach, Virginia 1 $ 40,000 $ 40,000 $ 32,000
Crawford, Wisconsin 1 $ 40,000 $ 40,000 $ 23,000
Fond du Lac, Wisconsin 1 $ 148,000 $ 148,000 $ 82,000
Jackson, Wisconsin 1 $ 151,000 $ 151,000 $ 35,000
Kenosha, Wisconsin 1 $ 100,000 $ 100,000 $ 85,000
Marathon, Wisconsin 1 $ 99,000 $ 99,000 $ 53,000
Monroe, Wisconsin 1 $ 69,000 $ 69,000 $ 33,000
Ozaukee, Wisconsin 1 $ 144,000 $ 144,000 $ 33,000
Racine, Wisconsin 1 $ 31,000 $ 31,000 $ 0
Richland, Wisconsin 1 $ 69,000 $ 69,000 $ 16,000
Vernon, Wisconsin 1 $ 150,000 $ 150,000 $ 37,000
Washington, Wisconsin 1 $ 230,000 $ 230,000 $ 0
Winnebago, Wisconsin 1 $ 95,000 $ 95,000 $ 27,000

Mortgage Loan Application Detail Totals for Bank of England in 2005

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,398 $163,615,000 $145,777 $1,000,000 $53,055 $471,000
Refinancing 1,098 $159,905,000 $150,675 $2,000,000 $58,025 $1,536,000
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,689 $219,791,000 $146,853 $1,000,000 $62,073 $660,000
Not Provided 434 $56,896,000 $165,529 $2,000,000 $51,676 $1,536,000
Black or African American 286 $32,239,000 $147,875 $520,000 $46,000 $168,000
Hispanic 51 $8,071,000 $151,312 $625,000 $38,812 $161,000
Asian 26 $4,886,000 $231,333 $860,000 $57,916 $240,000
American Indian or Alaskan Native 6 $731,000 $125,200 $298,000 $38,400 $65,000
Native Hawaiian or Other Pacific Islander 4 $906,000 $322,000 $513,000 $75,000 $117,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,458 $318,748,000 $150,047 $2,000,000 $58,000 $1,536,000
FHA-insured (Federal Housing Administration) 22 $2,388,000 $108,428 $225,000 $33,000 $85,000
VA-guaranteed (Veterans Administration) 14 $2,252,000 $146,200 $300,000 $53,200 $125,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $132,000 $66,000 $82,000 $33,500 $41,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Application Withdrawn By Applicant 1,260 $173,603,000 $159,214 $1,093,000 $61,619 $660,000
Loan Originated 715 $95,734,000 $178,161 $2,000,000 $85,451 $1,536,000
Application Denied By Financial Institution 515 $53,648,000 $121,085 $546,000 $37,914 $588,000
Application Approved But Not Accepted 3 $236,000 $78,666 $106,000 $8,666 $26,000
File Closed For Incompleteness 2 $229,000 $114,500 $145,000 $72,500 $85,000
Preapproval Denied by Financial Institution 1 $70,000 $70,000 $70,000 $28,000 $28,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 1 $75,000 $75,000 $75,000 $19,000 $19,000
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of England's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Bank of England's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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