Expanded MCR 

1. Am I required to submit a Mortgage Call Report (MCR) through NMLS?

Companies that hold a state license or state registration through NMLS will be required to complete a Mortgage Call Report.  Review the State MCR Requirements Chart for state-specific details.

2. What do I have to submit in the Expanded MCR?

The Expanded MCR contains two components:

• Residential Mortgage Loan Activity (RMLA) - This component collects application, closed loan, individual MLO, Line of Credit and repurchase information by state.
• Financial Condition (FC) – This component collects financial information at the company level. It does not have to be completed by state.

3. When does the Expanded MCR need to be submitted?

Both RMLA and FC components must be submitted quarterly, within 45 days of the end of every calendar quarter:

• Q1 data (January 1 – March 31) is due May 15
• Q2 data (April 1 – June 30) is due August 14
• Q3 data (July 1 – September 30) is due November 14
• Q4 data (October 1 – December 31) is due February 14

4. Get prepared

Download a sample (PDF or Excel) and the Expanded MCR Field Definitions to review all of the fields required in the RMLA and FC components of the Expanded MCR.

5. Submit your Expanded MCR

The Expanded MCR must be submitted under the Filing Tab in NMLS.  The Expanded MCR Quick Guide will walk you through creating and completing the Expanded MCR through NMLS.

Additional Resources

• XML Specification - NMLS will accept an upload of MCR data in a properly formatted XML file.  Visit this section for details.
• Frequently asked Questions about the MCR  
• Making an Amendment to the MCR