FCA Mortgage Lending Statistics for the United Kingdom, September 2020

United Kingdom mortgage lending data from the Financial Conduct Authority and Prudential Regulation Authority. The dataset is based on quarterly returns submitted by around 340 regulated lenders since 2007, covering metrics like outstanding loan value and new commitments. It includes specific figures such as £1,513.3 billion in outstanding residential loans at the end of 2020 Q2.

Use Cases

• Analyze trends in the UK residential mortgage market based on quarterly outstanding loan values.
• Model the impact of economic events on lending activity based on quarterly gross advances and new commitments.
• Assess regulatory policy effectiveness based on data collected from regulated mortgage lenders and administrators.

Strengths

• Data is collected from a defined population of around 340 regulated entities, suggesting systematic coverage.
• Provides specific, quantified metrics such as £44.1 billion in gross advances for 2020 Q2.
• Time series data likely spans from 2007 onward, enabling longitudinal analysis.

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

Data collection began in 2007; this release covers statistics up to September 2020.

Freshness

Quarterly update frequency is indicated, but the last update date for this specific file is unknown.

Geography

United Kingdom