New Mortgage Lending Statistics. Published by Central Bank of Ireland. Available under the license Creative Commons Attribution 4.0 (CC-BY-4.0).These data relate to new mortgage lending on residential property in Ireland on an annual basis. Data relates to those institutions [(banks and non-bank mortgage lenders)] who issue at least €50 million of new mortgage lending in a six-month period and are subsequently required to submit loan-level information to the Central Bank for the purposes of the macroprudential mortgage measures. The value and volume of new lending is provided, by borrower type, along with the distribution of lending by Loan-to-value and Loan-to-income ratio. Average characteristics are also provided. These data do not constitute official statistics. These data are published to support transparency and understanding of market developments....

Mortgage lending in the UK declined in 2023, with falling by 33 percent year-on-year in the second quarter of the year. In the second quarter of 2024, the value of new mortgage advances increased annually for the first time since the final quarter of 2024, reaching nearly 60.2 billion British pounds. That indicated an uptick in mortgage demand, possibly due to the much anticipated mortgage interest rate cuts.

The FCA and the Prudential Regulatory Authority (PRA) both have responsibility for the regulation of mortgage lenders and administrators. They jointly publish the mortgage lending statistics every quarter. Since the beginning of 2007, around 340 regulated mortgage lenders and administrators have been required to submit a Mortgage Lending and Administration Return (MLAR) each quarter, providing data on their mortgage lending activities. ##Latest findings * The outstanding value of all residential mortgage loans increased by 0.6% from the previous quarter to £1,670.9 billion, the highest stock of outstanding mortgage loans since 2023 Q1, and was 0.8% higher than a year earlier. * The value of gross mortgage advances increased by 8.9% from the previous quarter to £65.5 billion, the highest new advances since 2022 Q4, and was 6.7% higher than a year earlier. * The value of new mortgage commitments (lending agreed to be advanced in the coming months) decreased by 1.3% from the previous quarter to £66.0 billion, but remained 34.2% higher than a year earlier.

The value of residential mortgage lending picked up across three of the 16 ranked European countries in 2024. In the UK, new lending in the fourth quarter of the year amounted to **** billion euros, up from ***** billion euros in the same quarter in 2023. This trend was also observed across the rest of the large mortgage markets in Europe — Germany, France, and the Netherlands. One of the main reasons for the recovery was the easing of the mortgage interest rates.

Home Loans in the United Kingdom increased to 2054 GBP Million in May from -776 GBP Million in April of 2025. This dataset provides - United Kingdom Mortgage Lending- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Mortgage lending information comes from the Federal Financial Institutions Examination Council's (FFIEC) Home Mortgage Disclosure Act (HMDA) data. Loan originations are the creation of a loan after bank approval. Loan origination rates are calculated from the number of loan applications that were either approved or denied—what is termed as decisioned applications. For all charts, the loan’s purpose can be selected via a dropdown list. Trends are summarized by all loan purposes and by Loans for home purchase, home improvement, or refinancing.

The United Kingdom, Germany, and France were the countries with the largest mortgage markets in Europe in 2024, when considering the value of loans outstanding. In the fourth quarter of the year, the UK had nearly *** billion euros worth of mortgages outstanding. Other countries with large mortgage markets included the Netherlands, Spain, Sweden, and Italy - all exceeding *** billion euros. One of the main drivers of mortgage activity is the cost of borrowing. In 2022, interest rates increased dramatically across Europe. Ireland, and Germany remained among the few countries with an average interest rate under four percent.

The FCA and the Prudential Regulatory Authority (PRA) both have responsibility for the regulation of mortgage lenders and administrators. They jointly publish the mortgage lending statistics every quarter.

Since the beginning of 2007, around 340 regulated mortgage lenders and administrators have been required to submit a Mortgage Lending and Administration Return (MLAR) each quarter, providing data on their mortgage lending activities.

Latest findings

• The outstanding value of all residential mortgage loans decreased by 0.1% from the previous quarter to £1,657.6 billion, and was 1.1% lower than a year earlier.

• The value of gross mortgage advances decreased by 13.4% from the previous quarter to £54.0 billion, and was 33.8% lower than a year earlier.

• The value of new mortgage commitments (lending agreed to be advanced in the coming months) decreased by 6.6% from the previous quarter to £46.0 billion, and was 21.2% lower than a year earlier. If the onset of the Covid-19 pandemic is excluded, this was the lowest observed since 2013 Q1.

The mortgage market in the UK declined in 2023, with the value of mortgage lending plummeting by nearly *** billion British pounds from the previous year. That was because of the dramatic increase in mortgage interest, which increased the cost of borrowing. In 2024, gross lending to individuals picked up slightly, reaching ****** billion British pounds.

The FCA and the Prudential Regulatory Authority (PRA) both have responsibility for the regulation of mortgage lenders and administrators. They jointly publish the mortgage lending statistics every quarter. Since the beginning of 2007, around 340 regulated mortgage lenders and administrators have been required to submit a Mortgage Lending and Administration Return (MLAR) each quarter, providing data on their mortgage lending activities. ##Latest findings * The outstanding value of all residential mortgage loans increased by 1.2% from the previous quarter to £1,698.5 billion, and was 2.6% higher than a year earlier. * The value of gross mortgage advances increased by 12.8% from the previous quarter to £77.6 billion, the highest new advances since 2022 Q4, and was 50.4% higher than a year earlier. * The value of new mortgage commitments (lending agreed to be advanced in the coming months) decreased by 1.5% from the previous quarter to £68.2 billion, but remained 13.5% higher than a year earlier.

Quarterly non-bank outstanding residential mortgages by insurance status, amortization period, total debt service ratio, loan-to-value and, days in arrears, by lender type and number of mortgages, displayed in thousands of dollars, unless otherwise specified.

The FCA and the Prudential Regulatory Authority (PRA) both have responsibility for the regulation of mortgage lenders and administrators. They jointly publish the mortgage lending statistics every quarter. Since the beginning of 2007, around 340 regulated mortgage lenders and administrators have been required to submit a Mortgage Lending and Administration Return (MLAR) each quarter, providing data on their mortgage lending activities. ##Latest findings * The outstanding value of all residential mortgage loans was £1,584.1 billion at the end of 2021 Q2, 4.6% higher than a year earlier. * The value of gross mortgage advances in 2021 Q2 was £89.0 billion, over double the amount seen in 2020 Q2, and the highest level since 2007 Q3. * The value of new mortgage commitments (lending agreed to be advanced in the coming months) was almost 2.5 times greater than a year earlier, at £85.6 billion, but £2.1 billion lower than the recent peak seen in 2020 Q4.

The FCA and the Prudential Regulatory Authority (PRA) both have responsibility for the regulation of mortgage lenders and administrators. They jointly publish the mortgage lending statistics every quarter. Since the beginning of 2007, around 340 regulated mortgage lenders and administrators have been required to submit a Mortgage Lending and Administration Return (MLAR) each quarter, providing data on their mortgage lending activities. ##Latest findings * The outstanding value of all residential mortgage loans decreased by 0.1% from the previous quarter to £1,654.3 billion, and was 0.8% lower than a year earlier. * The value of gross mortgage advances increased by 18.6% from the previous quarter to £62.2 billion, the first increase since 2022 Q3, but remained 27.6% lower than a year earlier. * The value of new mortgage commitments (lending agreed to be advanced in the coming months) decreased by 16.5% from the previous quarter to £51.5 billion, and was 41.4% lower than a year earlier.

This table contains 80 series, with data starting from 1982 (not all combinations necessarily have data for all years). This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada); Mortgages (4 items: Total, mortgage loans outstanding; Mortgages in Canada outstanding; Mortgage loans outside Canada outstanding; Allowance for credit losses); Increases and decreases (15 items: Total, increases and decreases; Gross increase; Cash disbursement of principal; Purchases of mortgages from; ...); Type of mortgage (7 items: Total, mortgages; Total, residential mortgages; Residential mortgages, insured; Residential mortgages, uninsured; ...).

The Home Mortgage Disclosure Act (HMDA) database (Consumer Financial Protection Bureau, 2022) has compiled mortgage lending data since 1981, but the collection and dissemination methods have changed over time (Federal Financial Institutions Examination Council, 2018), creating barriers to conducting longitudinal analyses. This HMDA Longitudinal Dataset (HLD) organizes and standardizes information across different eras of HMDA data collection between 1981 and 2021, enabling such analysis. This collection contains two types of datasets: 1) HMDA aggregated data by census tract for each decade and 2) HMDA aggregated data by census tract for individual years. Items for analysis include borrower income values, mortgages by loan type (e.g., conventional, Federal Housing Administration (FHA), Veterans Affairs (VA), refinances), and mortgages by borrower race and gender.

The U.S. mortgage market has declined notably since 2020 and 2021, mostly due to the effect of higher borrowing costs on refinance mortgages. The value of refinancing mortgage originations, amounted to 190 billion U.S. dollars in the fourth quarter of 2024, down from a peak of 851 billion U.S. dollars in the fourth quarter of 2020. The value of mortgage loans for the purchase of a property recorded milder fluctuations, with a value of 304 billion U.S. dollars in the fourth quarter of 2024. According to the forecast, mortgage lending is expected to slightly increase until the end of 2026. The cost of mortgage borrowing in the U.S. Mortgage interest rates in the U.S. rose dramatically in 2022, peaking in the final quarter of 2024. In 2020, a homebuyer could lock in a 30-year fixed interest rate of under three percent, whereas in 2024, the average rate for the same mortgage type exceeded 6.6 percent. This has led to a decline in homebuyer sentiment, and an increasing share of the population pessimistic about buying a home in the current market. The effect of a slower housing market on property prices and rents According to the S&P/Case Shiller U.S. National Home Price Index, housing prices experienced a slight correction in early 2023, as property transactions declined. Nevertheless, the index continued to grow in the following months. On the other hand, residential rents have increased steadily since 2000.

The 10 largest mortgage lenders in the United Kingdom accounted for approximately 81 percent of the total market, with the top three alone accounting for 41 percent in 2023. Lloyds Banking Group had the largest market share of gross mortgage lending, with nearly 36.8 billion British pounds in lending in 2023. HSBC, which is the largest UK bank by total assets, ranked fourth. Development of the mortgage market In 2023, the value of outstanding in mortgage lending to individuals amounted to 1.6 trillion British pounds. Although this figure has continuously increased in the past, the UK mortgage market declined dramatically in 2023, registering the lowest value of mortgage lending since 2015. In 2020, the COVID-19 pandemic caused the market to contract for the first time since 2012. The next two years saw mortgage lending soar due to pent-up demand, but as interest rates soared, the housing market cooled, leading to a decrease in new loans of about 100 billion British pounds. The end of low interest rates In 2021, mortgage rates saw some of their lowest levels since recording began by the Bank of England. For a long time, this was particularly good news for first-time homebuyers and those remortgaging their property. Nevertheless, due to the rising inflation, mortgage rates started to rise in the second half of the year, resulting in the 10-year rate doubling in 2022.

Find the latest statistical housing information on mortgage lending. The data tables show monthly mortgage rated quoted by institutional lenders organized by: 1 year 3 years 5 years

China Consumer Loan: Residential Housing Mortgage Loan data was reported at 25,750.000 RMB bn in 2018. This records an increase from the previous number of 21,860.500 RMB bn for 2017. China Consumer Loan: Residential Housing Mortgage Loan data is updated yearly, averaging 2,473.416 RMB bn from Dec 1997 (Median) to 2018, with 20 observations. The data reached an all-time high of 25,750.000 RMB bn in 2018 and a record low of 13.100 RMB bn in 1997. China Consumer Loan: Residential Housing Mortgage Loan data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money and Banking – Table CN.KB: Loan: Consumer Loan.

This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...).