Mortgage Call Report User Guide

The mortgage call report (MCR) is required to be completed by all state licensed companies and companies employing state licensed mortgage loan originators (MLOs).

About the Mortgage Call Report

The MCR collects standardized mortgage company data at the state level for all state-licensed mortgage companies. Collecting this data allows regulators to gain insights into industry trends, helping them identify potential issues that could harm consumers.

Helpful Resources

State Requirements
Download the state-specific details on MCR requirements: License Requirements and Fees Chart.
Field Definitions
Download the Definitions and Formatting Requirements for MCR V6 (PDF).
Frequently Asked Questions
Frequently Asked Questions for Companies.
Sample MCR
Download a Sample MCR v6 (PDF) or Sample MCR v6 (Excel) to review all the fields required in the RMLA and FC components of the MCR.
Previous Form Versions
If you are amending a filing from a previous form version: Documentation and Samples for older MCR versions.

MCR Components

The MCR contains two components:
Financial Condition (FC)
This component collects financial information at the company level; it does not have to be completed for each state.
Residential Mortgage Loan Activity (RMLA)
This component collects loan application, closed loan, individual mortgage loan originator (MLO), Line of Credit, servicing, and repurchase information by state.

MCR Submission Dates

Download a list of state agencies that have provided information on offering a grace period for the Q1 2024 filing submission or additional information about the State-Specific Supplemental Form the License Requirements and Fees Chart (columns AO and AP).

Residential Mortgage Loan Activity (RMLA) and State-Specific Supplemental Form (SSSF):
​Due quarterly, within 45 days of the end of the 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
FC

For mortgage lenders and servicers, the FC is due quarterly at the same time as the RMLA.

For mortgage brokers, the FC is due annually, within 90 days of the calendar year end.

Support

This interactive self- led MCR FV6 Training course includes a demo of MCR FV6 functionality as well as both recordings for the MCR FV6 Webinar sessions held on 3/20 and 3/27. The Webinar recordings separated by date are stored in the last section of the course.​

For questions on Mortgage Call Report policies or interpretations of field definitions, email NMLSMCR@csbs.org.