Virgin Money has today reported gross mortgage lending of £6.5 billion to the end of the third quarter, in line with a year earlier.
The British challenger bank said it had seen robust customer demand due to low unemployment and a resilient housing market.
Virgin Money said that credit card balances were £2.89 billion at the end of September, up from £2.44 billion at the end of 2016.
The lender said it remains on course to meet a target of £3 billion in card balances by the end of 2017.
The bank, which listed on London's main market in 2014, said it expected its full-year CET1 ratio, a closely watched measure of balance sheet strength, to be around 13.5%.
Mortgage balances rose to £32.91 billion at the end of September, from £29.74 billion at the end of 2016.
Virgin now has around a 3.5% share of the British mortgage market, Bank of England data shows.
This highlights the difficulties faced by British newcomers such as Virgin Money and Aldermore in challenging the established market grip of Barclays, HSBC, Lloyds Banking Group, Santander UK and Royal Bank of Scotland.
There are also signs that housing market activity is slowing, with the number of mortgages approved for house purchase falling to 66,580 in August from 68,452 in July, according to Bank of England data.
Deposits at the bank increased to £30.03 billion at the end of September, from £28.1 billion at the end of the year, Virgin Money said.
Consumer lending in Britain rebounded in August and rose by the largest amount in three months, Bank of England figures showed last month, shortly after Governor Mark Carney said banks had been lending too much.
