FCA Mortgage Lending Statistics for Q1 2023

Quarterly data on UK residential mortgage lending from Q1 2007 to Q1 2023, collected by the Financial Conduct Authority and Prudential Regulation Authority. The dataset is based on mandatory returns from approximately 340 regulated mortgage lenders and administrators. It includes figures on outstanding loan values, gross advances, and new commitments.

Use Cases

• Analyzing trends in the UK housing market based on quarterly outstanding loan values.
• Forecasting mortgage lending activity based on data on new commitments agreed for future months.
• Assessing the impact of economic conditions on mortgage advances using quarterly gross lending figures.
• Monitoring regulatory compliance and market stability using data mandated from lenders.

Strengths

• Data collection is mandated from approximately 340 regulated entities, suggesting broad market coverage.
• Time series begins in Q1 2007, providing over 15 years of quarterly observations.
• Description provides specific, recent figures (e.g., £1,675.4 billion outstanding in Q1 2023).

Limitations

• Column-level documentation is absent; field semantics must be inferred after download.
• Row count is unknown, which may limit suitability assessment for large-scale ML tasks.

Provenance

Source

Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA), via the UK Government Digital Service.

Collection Method

Mandatory quarterly Mortgage Lending and Administration Return (MLAR) submissions from regulated firms.

Time Range

Q1 2007 to Q1 2023

Freshness

Quarterly

Geography

United Kingdom