FCA Mortgage Lending Statistics for Q3 2021

The Financial Conduct Authority and Prudential Regulation Authority jointly publish quarterly mortgage lending statistics. The data is derived from returns submitted by around 340 regulated mortgage lenders and administrators since 2007. The Q3 2021 report details an outstanding loan value of £1,601.2 billion and gross advances of £73.4 billion.

Use Cases

• Analyze quarterly trends in mortgage lending volumes based on reported gross advances.
• Model the growth of the residential mortgage loan portfolio based on outstanding value statistics.
• Forecast near-term lending activity based on new mortgage commitment data.
• Assess regulatory impacts on lender behavior using data from regulated entities.

Strengths

• Data is sourced from mandatory quarterly returns submitted by approximately 340 regulated entities, suggesting systematic collection.
• Description provides specific, verifiable figures for key metrics like outstanding loan value (£1,601.2bn) and gross advances (£73.4bn).
• Published by authoritative UK financial regulators (FCA and PRA), indicating official provenance.

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.
• Last update date is unknown; freshness unverified beyond the described quarter.

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 lenders.

Time Range

Q3 2021 (July-September 2021), with year-over-year comparisons provided.

Freshness

Quarterly

Geography

United Kingdom