This breaks down into applications, subsequent offers, expired loans with accepted offers and loans not accepted before expiry date. Table 1: Volume and value of HES loan applications by local authority area in 2021-22 to end July Local authority Total applications Total value applications Total number of offers Total offered value Total expired committed loans (offer accepted) Total value expired committed loans (offer accepted) Total loans not accepted before expiry date (2 weeks) Total value loans not accepted before expiry date (2 weeks) Aberdeen City Council 28 £196,068.68 32 £216,045.60 0 £0.00 7 £46,265.69 Aberdeenshire Council 117 £1,168,773.88 113 £1,136,741.67 0 £0.00 11 £90,860.30 Angus Council 34 £368,981.38 32 £352,159.17 0 £0.00 5 £52,509.60 Argyll and Bute Council 54 £498,606.02 76 £710,325.73 0 £0.00 11 £77,305.25 City of Edinburgh Council 73 £532,264.52 74 £651,382.66 0 £0.00 14 £97,994.13 Clackmannanshire Council 7 £62,160.17 7 £54,978.77 0 £0.00 0 £0.00 Comhairle nan Eilean Siar 10 £81,969.21 13 £116,136.83 0 £0.00 6 £49,184.23 Dumfries and Galloway Council 37 £318,468.55 37 £322,549.67 0 £0.00 7 £64,622.12 Dundee City Council 13 £90,065.00 11 £122,281.12 0 £0.00 2 £38,377.09 East Ayrshire Council 21 £184,706.41 18 £192,481.12 0 £0.00 6 £71,906.76 East Dunbartonshire Council 16 £120,312.47 21 £157,786.04 0 £0.00 6 £25,775.82 East Lothian Council 28 £235,759.74 29 £252,574.90 0 £0.00 3 £10,000.00 East Renfrewshire Council 13 £113,280.00 13 £90,786.28 0 £0.00 3 £7,945.70 Falkirk Council 19 £133,959.85 17 £147,389.05 0 £0.00 1 £2,140.80 Fife Council 61 £514,116.91 70 £571,066.87 0 £0.00 11 £81,654.25 Glasgow City Council 36 £199,214.38 30 £171,726.39 0 £0.00 1 £10,500.00 Highland Council 149 £1,459,746.83 139 £1,400,609.59 0 £0.00 20 £131,601.30 Inverclyde Council 12 £79,218.28 8 £73,518.28 0 £0.00 1 £11,000.00 Midlothian Council 17 £142,258.77 11 £106,300.99 0 £0.00 0 £0.00 Moray Council 39 £353,316.36 41 £416,899.54 0 £0.00 4 £34,015.00 North Ayrshire Council 24 £202,807.32 22 £182,774.23 0 £0.00 2 £14,987.59 North Lanarkshire Council 17 £124,276.30 16 £129,045.00 0 £0.00 3 £35,000.00 Orkney Islands Council 28 £261,476.58 25 £250,741.62 0 £0.00 4 £35,000.00 Perth and Kinross Council 68 £642,435.47 64 £574,580.81 0 £0.00 8 £53,455.93 Renfrewshire Council 12 £122,972.90 28 £242,662.95 0 £0.00 7 £42,400.00 Scottish Borders Council 52 £485,826.38 49 £515,219.20 0 £0.00 7 £30,000.00 Shetland Islands Council 18 £197,190.50 25 £251,124.35 0 £0.00 3 £25,262.98 South Ayrshire Council 16 £119,138.15 14 £106,510.05 0 £0.00 3 £24,500.00 South Lanarkshire Council 53 £458,467.38 39 £308,199.59 0 £0.00 2 £15,000.00 Stirling Council 35 £275,475.52 34 £280,853.64 0 £0.00 6 £40,954.45 West Dunbartonshire Council 4 £48,895.70 4 £45,225.70 0 £0.00 1 £4,830.00 West Lothian Council 15 £106,930.30 21 £186,594.15 0 £0.00 3 £25,801.60 Total 1126 £9,899,139.91 1133 £10,337,271.56 0 £0.00 168 £1,250,850.59 Table 2: Volume and value of HES loan applications by local authority area in 2020/21 Local authority Total applications Total value applications Total number of offers Total offered value Total expired committed loans (offer accepted) Total value expired committed loans (offer accepted) Total loans not accepted before expiry date (2 weeks) Total value loans not accepted before expiry date (2 weeks) Aberdeen City Council 79 £411,398.42 58 £331,795.92 1 £10,000.00 7 £38,048.99 Aberdeenshire Council 160 £1,479,464.98 136 £1,250,801.73 1 £10,000.00 6 £56,910.00 Angus Council 46 £424,257.78 35 £332,262.38 0 £0.00 1 £8,135.00 Argyll and Bute Council 204 £1,895,177.77 158 £1,509,450.94 2 £20,000.00 8 £77,213.11 City of Edinburgh Council 194 £1,157,439.66 139 £782,722.68 4 £19,652.80 12 £56,490.90 Clackmannanshire Council 19 £161,057.93 14 £119,380.36 0 £0.00 0 £0.00 Comhairle nan Eilean Siar 39 £345,720.39 24 £210,190.12 0 £0.00 5 £45,697.38 Dumfries and Galloway Council 95 £781,213.29 73 £655,758.06 2 £20,000.00 7 £43,983.20 Dundee City Council 23 £147,948.36 15 £83,676.17 0 £0.00 1 £5,000.00 East Ayrshire Council 42 £309,501.26 25 £212,996.80 1 £14,500.00 6 £37,311.00 East Dunbartonshire Council 38 £252,707.90 21 £146,968.61 0 £0.00 3 £12,950.00 East Lothian Council 52 £418,072.67 45 £393,863.34 1 £10,000.00 5 £39,754.67 East Renfrewshire Council 26 £170,853.67 15 £127,972.92 0 £0.00 0 £0.00 Falkirk Council 48 £389,569.73 41 £340,761.59 0 £0.00 4 £20,155.54 Fife Council 163 £1,257,274.68 109 £892,245.48 2 £12,918.85 6 £34,230.00 Glasgow City Council 135 £584,874.06 82 £383,251.43 2 £15,999.00 11 £49,327.69 Highland Council 286 £2,572,580.83 210 £1,853,062.20 5 £40,000.00 13 £115,218.78 Inverclyde Council 18 £119,240.45 14 £91,948.75 0 £0.00 3 £11,600.00 Midlothian Council 28 £174,797.97 20 £139,660.97 1 £5,000.00 0 £0.00 Moray Council 92 £921,886.35 65 £634,221.95 1 £2,500.00 5 £62,585.26 North Ayrshire Council 78 £699,170.49 69 £662,228.50 0 £0.00 5 £50,000.00 North Lanarkshire Council 49 £310,843.58 35 £213,761.54 1 £6,600.45 4 £30,732.70 Orkney Islands Council 49 £453,059.84 49 £454,629.87 1 £10,000.00 3 £24,500.00 Perth and Kinross Council 131 £1,237,265.50 106 £1,063,174.18 3 £45,600.00 12 £110,663.62 Renfrewshire Council 48 £379,673.02 24 £200,982.87 0 £0.00 4 £24,370.17 Scottish Borders Council 101 £1,023,033.54 85 £846,292.24 6 £56,382.74 5 £27,482.43 Shetland Islands Council 50 £435,615.69 36 £330,577.15 0 £0.00 3 £25,000.00 South Ayrshire Council 45 £343,688.75 42 £355,437.73 4 £25,500.00 5 £48,824.50 South Lanarkshire Council 110 £801,795.19 76 £587,441.09 4 £22,182.00 5 £32,520.00 Stirling Council 78 £668,956.40 64 £621,173.55 1 £10,000.00 5 £54,500.00 West Dunbartonshire Council 18 £110,769.39 13 £105,368.99 0 £0.00 2 £12,893.99 West Lothian Council 61 £472,960.62 42 £353,119.42 2 £20,000.00 4 £34,829.15 Total 2605 £20,911,870.16 1940 £16,287,179.53 45 £376,835.84 160 £1,190,928.08 Table 3: Volume and value of HES loan applications by local authority area in 2019-20 Local authority Total applications Total value applications Total number of offers Total offered value Total expired committed loans (offer accepted) Total value expired committed loans (offer accepted) Total loans not accepted before expiry date (2 weeks) Total value loans not accepted before expiry date (2 weeks) Aberdeen City Council 79 £339,933.96 52 £218,378.90 6 £20,262.00 1 £3,126.00 Aberdeenshire Council 157 £1,239,788.95 126 £1,064,304.62 9 £94,177.87 6 £25,100.00 Angus Council 41 £320,234.90 37 £283,871.33 3 £17,803.20 1 £0.00 Argyll and Bute Council 94 £756,147.99 70 £598,417.90 7 £30,999.60 2 £15,000.00 City of Edinburgh Council 203 £1,009,201.01 172 £850,797.32 24 £76,059.53 5 £16,850.00 Clackmannanshire Council 11 £43,664.75 6 £32,069.75 0 £0.00 1 £4,500.00 Comhairle nan Eilean Siar 23 £186,915.50 23 £191,255.50 3 £14,589.18 1 £10,000.00 Dumfries and Galloway Council 77 £544,625.37 60 £429,779.02 7 £56,439.80 3 £33,661.45 Dundee City Council 38 £156,126.41 31 £140,203.28 5 £25,017.57 0 £0.00 East Ayrshire Council 34 £210,442.89 25 £161,026.89 1 £18,271.00 1 £0.00 East Dunbartonshire Council 17 £50,586.70 13 £56,670.95 0 £0.00 3 £5,105.83 East Lothian Council 63 £454,643.64 47 £331,028.01 4 £42,102.98 3 £8,500.00 East Renfrewshire Council 10 £69,622.13 6 £24,168.17 0 £0.00 0 £0.00 Falkirk Council 42 £261,463.42 40 £251,961.57 6 £38,037.44 4 £9,960.04 Fife Council 116 £723,448.47 101 £698,045.56 7 £29,724.49 4 £19,900.00 Glasgow City Council 117 £463,566.68 90 £357,947.93 5 £19,599.86 6 £22,500.00 Highland Council 203 £1,611,451.68 162 £1,349,852.70 21 £162,650.30 7 £53,072.15 Inverclyde Council 15 £69,886.35 14 £54,283.87 1 £4,850.00 1 £4,500.00 Midlothian Council 24 £144,170.90 18 £106,750.90 1 £10,000.00 2 £12,900.04 Moray Council 42 £366,754.71 44 £408,804.98 3 £19,869.48 3 £23,959.30 North Ayrshire Council 75 £571,806.98 58 £504,231.82 4 £24,975.00 1 £14,500.00 North Lanarkshire Council 29 £189,011.28 27 £181,493.69 2 £13,000.00 1 £0.00 Orkney Islands Council 66 £519,551.72 48 £389,654.62 3 £24,175.79 0 £0.00 Perth and Kinross Council 94 £723,509.73 82 £612,767.28 9 £74,890.84 6 £32,597.00 Renfrewshire Council 42 £239,892.76 37 £221,512.60 6 £36,254.12 1 £4,500.00 Scottish Borders Council 96 £754,320.03 80 £683,391.56 12 £107,272.80 4 £38,521.00 Shetland Islands Council 30 £245,321.35 20 £163,979.79 0 £0.00 1 £14,000.00 South Ayrshire Council 46 £299,383.13 31 £189,046.91 6 £39,320.00 2 £4,770.40 South Lanarkshire Council 90 £657,102.91 70 £551,436.56 5 £22,300.00 1 £10,000.00 Stirling Council 54 £529,075.14 53 £483,737.66 4 £45,421.76 0 £0.00 West Dunbartonshire Council 22 £129,701.52 20 £104,181.52 2 £6,327.55 1 £1,630.62 West Lothian Council 68 £373,623.90 56 £334,339.33 6 £40,109.00 3 £12,500.00 Total 2118 £14,254,976.86 1719 £12,029,392.49 172 £1,114,501.16 75 £401,653.83 Table 4: Volume and value of HES loan applications by local authority area in 2018/19 Local authority Total applications Total value applications Total number of offers Total offered value Total expired loans Total value expired loans Aberdeen City Council 74 £318,348.02 52 £236,319.90 1 £15,000.00 Aberdeenshire Council 139 £933,421.61 108 £722,824.72 4 £17,606.80 Angus Council 61 £338,973.64 50 £307,197.81 1 £10,000.00 Argyll and Bute Council 91 £631,003.31 72 £518,187.88 1 £10,000.00 City of Edinburgh Council 220 £809,625.07 168 £608,490.57 9 £27,093.25 Clackmannanshire Council 18 £109,975.09 15 £91,218.46 2 £6,065.00 Comhairle nan Eilean Siar 34 £223,595.47 28 £172,073.54 1 £10,000.00 Dumfries and Galloway Council 83 £558,830.63 53 £384,598.91 2 £20,000.00 Dundee City Council 79 £298,626.13 50 £189,690.10 2 £6,600.00 East Ayrshire Council 44 £201,286.23 34 £184,404.51 2 £12,270.00 East Dunbartonshire Council 27 £133,725.95 23 £108,755.68 0 £0.00 East Lothian Council 47 £261,249.86 40 £204,678.06 1 £2,850.00 East Renfrewshire Council 21 £92,039.73 18 £90,474.73 0 £0.00 Falkirk Council 64 £280,226.95 44 £188,130.29 3 £14,500.00 Fife Council 177 £1,081,377.88 150 £893,350.52 9 £58,014.83 Glasgow City Council 170 £621,085.06 107 £389,148.40 6 £28,230.00 Highland Council 197 £1,293,451.05 148 £984,779.05 8 £37,158.45 Inverclyde Council 15 £48,694.87 7 £23,260.00 1 £4,400.00 Midlothian Council 35 £127,570.57 31 £135,801.00 0 £0.00 Moray Council 44 £301,570.96 31 £212,653.94 3 £5,000.00 North Ayrshire Council 77 £443,738.34 60 £341,357.45 2 £18,995.00 North Lanarkshire Council 78 £304,370.20 53 £186,131.27 1 £525.00 Orkney Islands Council 44 £329,114.66 34 £276,311.23 1 £10,602.90 Perth and Kinross Council 121 £673,847.38 96 £596,880.34 7 £46,500.00 Renfrewshire Council 54 £235,476.83 38 £147,480.07 2 £8,562.40 Scottish Borders Council 102 £657,574.46 85 £565,529.81 5 £28,500.00 Shetland Islands Council 25 £150,705.93 19 £133,145.93 1 £8,023.56 South Ayrshire Council 51 £227,560.65 41 £178,748.14 1 £11,000.00 South Lanarkshire Council 115 £695,151.16 90 £541,410.52 1 £16,000.00 Stirling Council 62 £375,222.13 51 £280,857.70 1 £9,934.00 West Dunbartonshire Council 16 £63,091.99 8 £35,737.07 0 £0.00 West Lothian Council 70 £332,876.02 55 £254,620.03 1 £2,500.00 Total 2455 £13,153,407.83 1859 £10,184,247.63 79 £445,931.19 0 £0.00 Table 5: Volume and value of HES loan applications by local authority area in 2017-18 Local authority Total applications Total value applications Total number of offers Total offered value Total expired loans Total value expired loans Aberdeen City Council 68 £213,324.78 43 £131,957.78 1 £3,288.00 Aberdeenshire Council 92 £422,890.79 73 £343,361.97 1 £0.00 Angus Council 44 £215,794.99 31 £162,315.79 2 £20,479.00 Argyll and Bute Council 60 £326,449.17 43 £226,079.43 4 £16,589.71 City of Edinburgh Council 261 £808,757.61 175 £553,518.80 10 £31,035.02 Clackmannanshire Council 13 £47,930.76 5 £20,585.93 1 £2,800.00 Comhairle nan Eilean Siar 31 £122,627.26 13 £61,897.08 1 £0.00 Dumfries and Galloway Council 62 £325,968.19 40 £206,068.10 0 £0.00 Dundee City Council 72 £195,328.06 47 £140,243.42 1 £0.00 East Ayrshire Council 40 £203,968.30 17 £99,686.40 1 £0.00 East Dunbartonshire Council 28 £84,681.05 16 £47,031.07 3 £4,500.00 East Lothian Council 49 £235,340.38 38 £196,974.04 3 £20,000.00 East Renfrewshire Council 26 £56,968.55 16 £34,358.55 0 £0.00 Falkirk Council 61 £225,199.48 39 £143,129.01 2 £7,267.20 Fife Council 165 £725,630.99 102 £484,048.01 4 £6,387.60 Glasgow City Council 153 £519,242.51 86 £334,983.58 1 £9,294.00 Highland Council 180 £969,778.71 120 £711,774.80 5 £19,935.65 Inverclyde Council 22 £88,182.62 10 £59,394.12 0 £0.00 Midlothian Council 66 £347,869.94 48 £270,355.51 2 £0.00 Moray Council 42 £212,500.90 27 £160,041.99 2 £22,750.00 North Ayrshire Council 60 £267,412.87 34 £154,645.87 1 £0.00 North Lanarkshire Council 68 £231,026.81 43 £138,759.06 2 £2,730.60 Orkney Islands Council 20 £120,407.64 13 £69,511.89 0 £0.00 Perth and Kinross Council 91 £577,765.28 55 £345,679.02 1 £12,500.00 Renfrewshire Council 42 £125,441.45 23 £71,297.40 0 £0.00 Scottish Borders Council 70 £429,908.77 50 £329,551.46 5 £24,616.78 Shetland Islands Council 13 £43,966.06 7 £40,452.39 0 £0.00 South Ayrshire Council 43 £183,918.85 24 £136,970.17 4 £30,000.00 South Lanarkshire Council 101 £461,895.85 61 £290,264.39 4 £17,872.45 Stirling Council 45 £230,866.53 35 £183,388.24 1 £0.00 West Dunbartonshire Council 10 £27,572.20 6 £20,002.20 1 £2,952.20 West Lothian Council 60 £248,569.85 37 £157,263.84 3 £10,000.00 Total 2158 £9,297,187.20 1377 £6,325,591.31 66 £264,998.21 0 £0.00 S6W-02370