Bank of England Mortgage Lending & HMDA Data, 2025
In 2025, Bank of England of England, AR reported 817 mortgage applications totaling $234.7 million, down 86% from 2024. The average application was for $287,301, and applicants reported an average income of $132,582. 65% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (191), Crestview-Fort Walton Beach-Destin, FL (48) and Atlanta-Sandy Springs-Roswell, GA (47) (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 |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 817 |
| Total Mortgage Loan Application Amount | $234,725,000 |
| Average Mortgage Loan Application Amount | $287,301 |
| Highest Mortgage Loan Application Amount | $2,715,000 |
| Average Applicant Income | $132,582 |
| Highest Applicant Income | $5,139,000 |
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Act (HMDA) records Bank of England filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Little Rock-North Little Rock-Conway, AR | 191 | $ 44,055,000 | $ 230,654 | $ 128,000 |
| Outside any metro area | 164 | $ 35,500,000 | $ 216,463 | $ 107,987 |
| Crestview-Fort Walton Beach-Destin, FL | 48 | $ 19,020,000 | $ 396,250 | $ 173,000 |
| Atlanta-Sandy Springs-Roswell, GA | 47 | $ 19,875,000 | $ 422,872 | $ 191,000 |
| Panama City, FL | 30 | $ 8,790,000 | $ 293,000 | $ 173,000 |
| Memphis, TN-MS-AR | 29 | $ 7,965,000 | $ 274,655 | $ 105,517 |
| Marietta, GA | 20 | $ 9,300,000 | $ 465,000 | $ 151,000 |
| Pittsburgh, PA | 20 | $ 4,520,000 | $ 226,000 | $ 118,000 |
| Houston-The Woodlands-Sugar Land, TX | 18 | $ 7,120,000 | $ 395,555 | $ 197,000 |
| San Antonio-New Braunfels, TX | 16 | $ 4,320,000 | $ 270,000 | $ 141,000 |
| Greensboro-High Point, NC | 14 | $ 3,800,000 | $ 271,428 | $ 66,000 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 4,820,000 | $ 344,285 | $ 129,000 |
| Birmingham-Hoover, AL | 13 | $ 3,335,000 | $ 256,538 | $ 91,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 11 | $ 2,585,000 | $ 235,000 | $ 81,000 |
| Raleigh, NC | 11 | $ 4,945,000 | $ 449,545 | $ 122,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 10 | $ 2,970,000 | $ 297,000 | $ 135,000 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 3,315,000 | $ 368,333 | $ 273,000 |
| Austin-Round Rock, TX | 5 | $ 1,545,000 | $ 309,000 | $ 104,000 |
| Jackson, MS | 5 | $ 1,175,000 | $ 235,000 | $ 87,000 |
| Jacksonville, FL | 5 | $ 1,845,000 | $ 369,000 | $ 245,000 |
| Lynchburg, VA | 5 | $ 1,185,000 | $ 237,000 | $ 116,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 2,170,000 | $ 542,500 | $ 151,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,150,000 | $ 287,500 | $ 118,000 |
| Evansville, IN-KY | 4 | $ 510,000 | $ 127,500 | $ 55,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 1,510,000 | $ 377,500 | $ 122,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 1,400,000 | $ 350,000 | $ 209,000 |
| Shreveport-Bossier City, LA | 4 | $ 950,000 | $ 237,500 | $ 87,000 |
| Wilmington, NC | 4 | $ 1,950,000 | $ 487,500 | $ 213,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 655,000 | $ 218,333 | $ 161,000 |
| Baton Rouge, LA | 3 | $ 455,000 | $ 151,666 | $ 46,000 |
| Dallas-Plano-Irving, TX | 3 | $ 1,265,000 | $ 421,666 | $ 143,000 |
| Hot Springs, AR | 3 | $ 905,000 | $ 301,666 | $ 93,000 |
| Montgomery, AL | 3 | $ 1,625,000 | $ 541,666 | $ 165,000 |
| Springfield, MO | 3 | $ 875,000 | $ 291,666 | $ 89,000 |
| Boston, MA | 2 | $ 860,000 | $ 430,000 | $ 121,000 |
| Cincinnati, OH-KY-IN | 2 | $ 370,000 | $ 185,000 | $ 51,000 |
| Columbus, OH | 2 | $ 760,000 | $ 380,000 | $ 121,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 420,000 | $ 210,000 | $ 73,000 |
| Fort Smith, AR-OK | 2 | $ 440,000 | $ 220,000 | $ 139,000 |
| Houma-Thibodaux, LA | 2 | $ 780,000 | $ 390,000 | $ 161,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 320,000 | $ 160,000 | $ 39,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 610,000 | $ 305,000 | $ 119,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 540,000 | $ 270,000 | $ 102,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,270,000 | $ 635,000 | $ 145,000 |
| Philadelphia, PA | 2 | $ 380,000 | $ 190,000 | $ 69,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,140,000 | $ 570,000 | $ 256,000 |
| Rocky Mount, NC | 2 | $ 620,000 | $ 310,000 | $ 72,000 |
| Savannah, GA | 2 | $ 500,000 | $ 250,000 | $ 132,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 610,000 | $ 305,000 | $ 113,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 280,000 | $ 140,000 | $ 101,000 |
| Winston-Salem, NC | 2 | $ 320,000 | $ 160,000 | $ 49,000 |
| Albany, GA | 1 | $ 285,000 | $ 285,000 | $ 108,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 755,000 | $ 755,000 | $ 338,000 |
| Auburn-Opelika, AL | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Boise City, ID | 1 | $ 435,000 | $ 435,000 | $ 91,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 695,000 | $ 695,000 | $ 192,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 175,000 | $ 175,000 | $ 108,000 |
| Burlington, NC | 1 | $ 375,000 | $ 375,000 | $ 109,000 |
| Camden, NJ | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Charleston-North Charleston, SC | 1 | $ 345,000 | $ 345,000 | $ 88,000 |
| Chicago-Naperville, IL | 1 | $ 165,000 | $ 165,000 | $ 172,000 |
| Clarksville, TN-KY | 1 | $ 305,000 | $ 305,000 | $ 96,000 |
| Cleveland, TN | 1 | $ 235,000 | $ 235,000 | $ 116,000 |
| College Station-Bryan, TX | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Columbia, SC | 1 | $ 475,000 | $ 475,000 | $ 304,000 |
| Columbus, GA-AL | 1 | $ 275,000 | $ 275,000 | $ 216,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 535,000 | $ 535,000 | $ 236,000 |
| Dothan, AL | 1 | $ 425,000 | $ 425,000 | $ 108,000 |
| Eagle Pass, TX | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Flint, MI | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| Fort Worth-Arlington, TX | 1 | $ 115,000 | $ 115,000 | $ 143,000 |
| Gainesville, FL | 1 | $ 405,000 | $ 405,000 | $ 143,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 195,000 | $ 195,000 | $ 263,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Homosassa Springs, FL | 1 | $ 595,000 | $ 595,000 | $ 171,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Jacksonville, NC | 1 | $ 265,000 | $ 265,000 | $ 54,000 |
| Kalamazoo-Portage, MI | 1 | $ 315,000 | $ 315,000 | $ 122,000 |
| Kansas City, MO-KS | 1 | $ 465,000 | $ 465,000 | $ 170,000 |
| Knoxville, TN | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 415,000 | $ 415,000 | $ 201,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 355,000 | $ 355,000 | $ 186,000 |
| Lubbock, TX | 1 | $ 795,000 | $ 795,000 | $ 271,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 395,000 | $ 395,000 | $ 182,000 |
| Nassau County-Suffolk County, NY | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| New Orleans-Metairie, LA | 1 | $ 185,000 | $ 185,000 | $ 150,000 |
| Newark, NJ-PA | 1 | $ 425,000 | $ 425,000 | $ 103,000 |
| Niles-Benton Harbor, MI | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Ocala, FL | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Odessa, TX | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 385,000 | $ 385,000 | $ 155,000 |
| Owensboro, KY | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Redding, CA | 1 | $ 345,000 | $ 345,000 | $ 159,000 |
| Reno, NV | 1 | $ 395,000 | $ 395,000 | $ 111,000 |
| Rochester, NY | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 765,000 | $ 765,000 | $ 274,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 275,000 | $ 275,000 | $ 78,000 |
| Tallahassee, FL | 1 | $ 265,000 | $ 265,000 | $ 125,000 |
| Tampa, FL | 1 | $ 405,000 | $ 405,000 | $ 214,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 855,000 | $ 855,000 | $ 248,000 |
Mortgage Loan Application Detail Totals for Bank of England in 2025
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 | 644 | $184,610,000 | $286,000 | $2,715,000 | $134,000 | $5,139,000 |
| Cash-out Refinancing | 110 | $29,910,000 | $271,000 | $1,105,000 | $125,000 | $1,033,000 |
| Refinancing | 52 | $19,800,000 | $380,000 | $1,395,000 | $145,000 | $734,000 |
| Home Improvement | 8 | $330,000 | $41,000 | $115,000 | $61,000 | $142,000 |
| Other Purpose | 3 | $75,000 | $25,000 | $55,000 | $82,000 | $127,000 |
| Not Applicable | 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 | 538 | $153,010,000 | $284,000 | $2,715,000 | $136,000 | $5,139,000 |
| Black or African American | 121 | $28,555,000 | $235,000 | $895,000 | $77,000 | $305,000 |
| Not Provided | 73 | $21,895,000 | $299,000 | $945,000 | $145,000 | $1,050,000 |
| Hispanic | 52 | $15,840,000 | $304,000 | $705,000 | $149,000 | $1,678,000 |
| Asian | 25 | $13,635,000 | $545,000 | $1,395,000 | $263,000 | $1,033,000 |
| American Indian or Alaskan Native | 4 | $860,000 | $215,000 | $325,000 | $100,000 | $159,000 |
| Not applicable | 4 | $930,000 | $232,000 | $415,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 476 | $144,450,000 | $303,000 | $2,715,000 | $152,000 | $1,678,000 |
| FHA-insured (Federal Housing Administration) | 256 | $64,400,000 | $251,000 | $855,000 | $105,000 | $5,139,000 |
| VA-guaranteed (Veterans Administration) | 72 | $23,690,000 | $329,000 | $895,000 | $112,000 | $425,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $2,185,000 | $168,000 | $245,000 | $68,000 | $116,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 529 | $151,625,000 | $286,000 | $2,715,000 | $128,000 | $1,307,000 |
| Application Withdrawn By Applicant | 203 | $62,985,000 | $310,000 | $1,395,000 | $160,000 | $5,139,000 |
| Application Denied By Financial Institution | 50 | $12,230,000 | $244,000 | $775,000 | $88,000 | $423,000 |
| File Closed For Incompleteness | 22 | $5,290,000 | $240,000 | $685,000 | $101,000 | $300,000 |
| Application Approved But Not Accepted | 13 | $2,595,000 | $199,000 | $475,000 | $98,000 | $328,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 767 | $222,495,000 | $290,000 | $2,715,000 | $135,000 | $5,139,000 |
| Debt-To-Income Ratio | 22 | $5,240,000 | $238,000 | $775,000 | $63,000 | $201,000 |
| Credit History | 11 | $2,155,000 | $195,000 | $395,000 | $96,000 | $182,000 |
| Collateral | 6 | $1,790,000 | $298,000 | $575,000 | $181,000 | $423,000 |
| Other | 5 | $1,395,000 | $279,000 | $545,000 | $74,000 | $122,000 |
| Credit Application Incomplete | 4 | $1,430,000 | $357,000 | $505,000 | $109,000 | $214,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $47,000 | $47,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $47,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of England's 2025 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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