FCA: Mortgage lending statistics - Q3 2022 - December 2022

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 £1,667.1 billion at the end of 2022 Q3, 4.1% higher than a year earlier.
* The value of gross mortgage advances in 2022 Q3 was £85.9 billion, which was £8.0 billion greater than the previous quarter, and 17.0% higher than in 2021 Q3.
* The value of new mortgage commitments (lending agreed to be advanced in the coming months) in 2022 Q3 was 4.5% greater than the previous quarter and the highest value recorded since 2007 Q3.

英国金融行为监管局（FCA）和审慎监管局（PRA）共同承担了对抵押贷款发放机构和行政管理者的监管职责。他们每季度联合发布抵押贷款统计信息。
自2007年初以来，约340家受监管的抵押贷款发放机构和行政管理者被要求每季度提交一份抵押贷款发放和行政管理报告（MLAR），以提供其抵押贷款活动数据。
##最新发现
* 截至2022年第三季度末，所有住宅抵押贷款的未偿还价值为1.6671万亿美元，较上年同期增长4.1%。
* 2022年第三季度的总抵押贷款提前发放额为850亿英镑，比上一季度高出80亿英镑，较2021年第三季度增长17.0%。
* 2022年第三季度的新抵押贷款承诺额（未来几个月将发放的贷款）比上一季度增长4.5%，为自2007年第三季度以来的最高记录。