Many branch network companies are merely large brokerage operations that do not fund their own loans. Most others that do fund loans are subject to the restrictions placed on them by their warehouse lender. Bank of England Mortgage is part of Bank of England located in England, Arkansas, with its corporate headquarters in Little Rock, Arkansas. As such, we fund our loans through deposits and/or borrowings from the federal reserve system. Our managers enjoy the clout of affiliation with an FDIC insured Bank, and the ability to operate as a mortgage banker. As a mortgage banker, we are not required to disclose premiums earned at the time the loan is sold, a distinct advantage over brokering. 100% of the fees earned on a loan are retained by the Branch.