FCA Mortgage Lending Statistics: UK Residential Loans

FCA and Prudential Regulatory Authority jointly publish quarterly mortgage lending statistics based on mandatory returns from regulated lenders. The data covers the UK residential mortgage market from 2007 onward, with around 340 lenders reporting on metrics like outstanding loan value, gross advances, and new commitments. Latest findings from Q2 2021 show an outstanding loan value of £1,584.1 billion and gross advances of £89.0 billion.

Use Cases

• Tracking quarterly trends in UK residential mortgage lending based on regulatory returns.
• Analyzing the value of new mortgage commitments to forecast future lending activity.
• Comparing gross mortgage advances across different time periods to assess market cycles.
• Monitoring the outstanding value of all residential mortgage loans for financial stability analysis.

Strengths

• Data collection is mandatory for approximately 340 regulated lenders, suggesting high coverage of the UK market.
• Time series begins in 2007, providing over a decade of quarterly observations for longitudinal analysis.
• Published by authoritative financial regulators (FCA and PRA), indicating official status.

Limitations

• Specific column names and dataset structure are not provided in the available metadata.
• The last update date (2026-07-08) appears to be a future date, creating a conflict regarding data freshness.
• The exact number of rows and granularity (e.g., lender-level vs. aggregate) is unknown.

Provenance

Source

Financial Conduct Authority (FCA) and Prudential Regulatory Authority (PRA)

Collection Method

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

Time Range

2007 Q1 onward

Freshness

Last updated date conflicts: one source lists 2026-07-08 (a future date), while another lists none.

Geography

United Kingdom