Further details about mortgage lenders and administrators statistics data

The purpose of the MLAR data return is to provide prudential regulatory and conduct of business mortgage data to the PRA and FCA.

View the data


Around 340 regulated mortgage lenders and administrators (banks, building societies, credit unions and other specialist lenders) are required to submit a Mortgage Lenders & Administrators Return (MLAR) form each quarter, providing data on their mortgage lending activities and covering both regulated and non-regulated residential lending to individuals.  Following the creation of the Bank of England Prudential Regulation Authority (PRA) and of the Financial Conduct Authority (FCA) on 1 April 2013, these mortgage lending statistics are compiled and published jointly by the two regulators. Lenders with only non-regulated lending are not required to submit the MLAR. Prior to the change in regulation to include second charge lending, which came into effect on 21st March 2016, the reporting population was around 300.

The purpose of the MLAR data return is to provide prudential regulatory and conduct of business mortgage data to the PRA and FCA.  It is a distinct data source for statistics on mortgage lending from the Bank of England’s Money and Credit statistical returns, known as Forms BE, IS and ER.  As such, it represents an example of an administrative data source used for statistical purposes, as outlined in the Bank's Statistical Code of Practice.  There will be some differences in scope, coverage and definitions between these data sources. 

These MLAR statistics provide a range of information on mortgage lending, including: 

The split between regulated and unregulated mortgages
•         Mortgages by product types
•         Balances of all outstanding loans; 
•         New advances and commitments, including by purpose of loans;
•         Unsecuritised and securitised loans;
•         Interest rates on loans;
•         Lending criteria, including loan to value (LTV) and income multiples;
•         Lending to those with impaired credit histories; and 
•         Arrears and possessions.


The Financial Services Authority (FSA) published the first set of mortgage lenders and administrators statistics, based on MLAR data, in August 2008.

The statistics are currently published by the Bank of England and FCA approximately 2½ months after the end of each quarter and available through each organisation’s website. See News and Events.  Historical editions of the FSA published statistics are also currently available to view on the FSA website.

Mortgage Lenders and Administrators statistics derived from MLAR data are available at a lower frequency – quarterly rather than monthly – than the Bank of England Money and Credit statistics on lending to individuals, and are less timely.


These data are sourced from the Mortgage Lenders & Administrators Return (MLAR) form which is jointly owned by the Bank of England PRA and the FCA. Please also find the MLAR second charge sub forms. 

The MLAR is completed by around 340 regulated mortgage lenders and administrators.  Firms which undertake regulated mortgage lending are required to complete the MLAR with regards to all regulated and non-regulated lending. Firms which only undertake non-regulated mortgage lending are not required to complete the MLAR return and are thus not included in the Mortgage Lenders and Administrators Statistics. 

Relationship to Bank of England money and credit and interest rate data 

There are a number of common series across the regulatory and statistical data collections on residential mortgages published by the Bank. For these, there is commonality in the broad concept but there are some differences in definitions, coverage and timing. Choosing the appropriate series will depend in the interests of users. For further details of these differences, as well as for comparison of MLAR and statistical published data collections on residential mortgages, please refer to Statistics article Residential mortgages: a comparison of the Bank of England’s published statistical and regulatory data collections.

All data are subject to revision if and when new information becomes available.  For more information on revisions practices see further details about revisions.

Further information

Changes to the FSA Statistics on Mortgage Lending following the creation of the PRA and FCA, Cleaves, M and Finbow, G (2013) Statistics article, March 
Residential mortgages: a comparison of the Bank of England’s published statistical and regulatory data collections, Akhtar, Z, Galaiya, S and Reynolds, N (2014), Statistics article, December

This page was last updated 31 January 2023