I don’t know how to look up the stats with the Bank of England as well as I do the Fed to check, but here is a report[0] from the pandemic from S&P that suggests at least for the big banks in the UK there isn’t much difference.

Santander and Lloyds are a little higher than you’d see in the big banks in the US at 1.1 Loan:Deposit but NatWest, HSBC, Barclays, and Standard Chartered all sit in the .6-.9 range which is where banks in the US typically like to be.

Maybe your small banks and credit unions operate dramatically differently than your big banks but that would be surprising. It would also be surprising because the Basel accords make it pretty tough to meet your credit and market risk requirements without using deposits to fund loans.

[0] https://www.spglobal.com/marketintelligence/en/news-insights...