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Financial Statements and Reporting
Chapters VII and VIII address the financial reporting requirements for companies, the mortgage and money services businesses call reports, and uniform authorized agent reporting.
Chapter VII—Financial Statement and Net Worth Filing
NMLS enables company account administrators and designated company users to file financial statements (FS) in a single PDF document (8MB file size limit) through the system. Companies are often required to file a financial statement prior to submitting a license application, on an annual basis, or at other designated times during the year.
Manage Filings—Financial Statements
As required by the license type for which you are applying, new applicants will not be able to submit a completed Company Form (MU1) unless the appropriate financial statement has been attached to their record.

Financial Statements and Reporting
Chapters VII and VIII address the financial reporting requirements for companies, the mortgage and money services businesses call reports, and uniform authorized agent reporting.
- Chapter VII—Financial Statement and Net Worth Filing
  NMLS enables company account administrators and designated company users to file financial statements (FS) in a single PDF document (8MB file size limit) through the system. Companies are often required to file a financial statement prior to submitting a license application, on an annual basis, or at other designated times during the year.
  - General Instructions
    General instructions for filing net worth and financial statements for companies.
  - Manage Filings—Financial Statements
    As required by the license type for which you are applying, new applicants will not be able to submit a completed Company Form (MU1) unless the appropriate financial statement has been attached to their record.
  - Financial Information
    Licensees are required to submit a financial statement and meet the net worth requirement that satisfy the highest, or most stringent, standard among all NMLS states in which they are licensed or are applying for licensure.
  - Accountant Information
    Companies must provide the information listed on this page if the financial statement was prepared by an accounting firm.
  - Financial Statement Attachment
    Companies must attach the financial statement that corresponds to the Period Type, Classification, and Period End Date selected under MANAGE FILINGS – FINANCIAL STATEMENTS and FINANCIAL INFORMATION.
  - Attest and Submit
    The Submit Filing button will only appear if the Financial Statements Filing passes all completeness checks.
- Chapter VIII—Call Reports
  NMLS accommodates both the Mortgage and Money Services Call Reports.

Manage Filings—Financial Statements

As required by the license type for which you are applying, new applicants will not be able to submit a completed Company Form (MU1) unless the appropriate financial statement has been attached to their record.

Existing licensees will have the ability to file financial statements in NMLS throughout the year. State regulators have set a policy that all licensees required to file an annual financial statement must do so within 90 days of their fiscal year end. The system will allow for quarterly updates, semi-annual, and year-to-date financial statements as required by some states.

A separate filing must be created for each financial statement with the accurate Period Type indicator. Generally, only financial statements dated as of the company’s fiscal year end should be attached under the Annual / Initial Period Type. If a NEW APPLICANT does not have sufficient financial data to satisfy the new application financial statement requirement for a state and all states where the company is seeking licensure allow this, the company may attach a financial statement under the Annual / Initial Period Type with a period end date that does not correspond to the company’s fiscal year end.

Note: Licensed companies required to submit financial statements other than 90 days from fiscal year end must submit these under another period not and not the Annual / Initial Period Type.

New application requirements may require a prior year financial statement and/or a year-to-date financial statement. The current year financial statement should be posted under Annual / Initial Period Type, while prior year financial statements should be posted with the appropriate classification and time period.

If your company prepares consolidated financial statements and the states in which you are applying or are currently licensed accept them to satisfy the financial statement requirement, you may submit those through the system.

Note: Please note that most states ALSO require consolidated schedules reflecting the financial condition of the licensee itself.

Manage Filings: Financial Statements, screen 1 of 2

Manage Filings: Financial Statements, screen 2 of 2

Contact the NMLS Call Center with any questions: 1-855-665-7123
Monday - Friday from 9:00AM to 9:00PM ET
Available from all U.S. States and Territories.