Q3 Mortgage Call Report: What’s Due Nov 14

The Q3 mortgage call report is due November 14, 2026. It covers loan activity from July 1 through September 30, and every state-licensed mortgage company, plus every company that employs state-licensed MLOs, has to file it through NMLS. This year November 14 lands on a Saturday, so our advice is simple: file by Friday, November 13, and enjoy your weekend.

Here’s what’s due, how the filing differs for brokers and lenders, and what Form Version 7 changed this year.

What’s Due for the Q3 Mortgage Call Report

The NMLS mortgage call report (MCR) has two parts, and they run on different clocks.

• Residential Mortgage Loan Activity (RMLA) and State-Specific Supplemental Form (SSSF): Due every quarter, within 45 days of quarter end. This is the part due November 14. It reports applications, closed loans, MLO-level activity and, for some companies, servicing and repurchases, state by state.
• Financial Condition (FC): Company-level financials, reported once rather than per state. Mortgage brokers file it annually, within 90 days of the calendar year end. Lenders and servicers file it every quarter, alongside the RMLA.

So if you’re a broker-only shop, your Q3 filing is the RMLA and any state supplemental form. Your FC comes after year end.

Here’s the full quarterly schedule, so you never have to search for it again:

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

Source: NMLS Mortgage Call Report page. Some states set their own windows, so check every state where you hold a license.

Brokers vs. Lenders: Which Mortgage Call Report Do You File?

NMLS uses two versions of the report. Which one you file depends on your agency approvals, not on how big you are.

• Standard MCR: For companies that are not Fannie Mae or Freddie Mac approved seller/servicers or Ginnie Mae issuers. Most brokers and many smaller lenders file this one, with the FC due 90 days after fiscal year end.
• Expanded MCR: For Fannie Mae or Freddie Mac approved seller/servicers and Ginnie Mae issuers. These companies file the expanded RMLA and an expanded Financial Condition report every quarter.

Brokers and non-delegated correspondents usually file the Standard MCR. If you’re not sure which applies to you, that’s a good question to settle before November 13, not after.

What Changed in Form Version 7

Form Version 7 (FV7) is the current version of the mortgage call report. It first applied to Q1 2026 data, with the filing window opening April 1, 2026 and reports due May 15, 2026. That makes Q3 your third filing under the new form.

Most of the new fields in the FV7 proposal target servicers. They include servicing broken out by investor (Fannie Mae, Freddie Mac, Ginnie Mae, private label and other), delinquency by servicing role, foreclosure counts, disaster forbearance activity and remittance type.

For brokers, the changes that matter most are smaller but easy to trip over:

• Clearer refinance categories. Loan purpose is now split into purchase, rate-and-term refinance, cash-out refinance, restructure and other or unknown.
• Retired fields. HAMP loans and the HECM Saver line were removed, since neither product is offered anymore.
• A tighter QM definition. A qualified mortgage is defined as one that meets the Regulation Z requirements.
• A new XML schema. If your LOS or a vendor exports your MCR data, the export had to be remapped to FV7.

The practical takeaway: if anyone on your team is still filling in a spreadsheet saved before 2026, retire it. A Form Version 6 template is the compliance equivalent of using last year’s calendar.

4 Mortgage Call Report Mistakes We Fix Every Quarter

Most MCR problems aren’t about rules. They’re about data. These are the four we see most.

1. Pipeline numbers that don’t roll forward. Applications in process at the start of Q3 should match what was in process at the end of Q2. When they don’t, regulators notice.
2. Loans in the wrong state. Activity is reported by the state of the property, not where your office sits. Multi-state brokers get this wrong more than anyone. (We wrote about it in 3 reporting challenges multi-state mortgage brokers face.)
3. MLO data that doesn’t add up. The loan amounts tied to each MLO’s NMLS ID should match your company totals.
4. Skipping a quiet quarter. The MCR applies to every state-licensed company. A quarter with no closed loans in a state still needs a filing.

Here’s a scenario we see often. A three-LO brokerage files its own Q3 report on deadline day. Two weeks later, the owner gets a regulator inquiry: the Q3 opening pipeline doesn’t match the Q2 closing pipeline because one LO’s withdrawn files were counted twice. Fixing it means an amended filing and an awkward email, in the middle of renewal season.

That timing matters. Some states won’t renew a company with missing MCRs. Texas lists MCR requirements among the items that prevent renewal, and NMLS renewal opens November 1, right as Q3 reports come due.

Pro Tip: Pull your Q3 loan activity report from your LOS in the first week of November, then compare its opening pipeline to your Q2 filing before you enter a single number. Ten minutes of reconciling now beats an amended filing later.

Let SCP File Your Mortgage Call Report

Your mortgage call report is due every quarter whether you closed 2 loans or 200. We take it off your plate. Our team pulls the data, reconciles it to your prior filing, checks it against each state and files it through NMLS on time.

MCR filing support starts at $250, and our Compliance Premium program includes MCR filings and renewal support. Want the full picture first? See our Compliance Services Overview or learn more in MCR Reports: What Are They and Why Do I Need Them?

Need Q3 filed this week? Visit our MCR Filings page or call 301.578.6015.

What’s the hardest part of your mortgage call report every quarter? Let us know. We read every reply.

Mortgage Call Report FAQ

When is the Q3 2026 mortgage call report due? The Q3 2026 RMLA is due November 14, 2026 and covers July 1 to September 30. November 14 falls on a Saturday this year, so plan to file by Friday, November 13.

Do mortgage brokers have to file a mortgage call report? Yes. Every state-licensed mortgage company and every company employing state-licensed MLOs files the MCR through NMLS, including brokers.

Do brokers file the Financial Condition report every quarter? No. Mortgage brokers file the Financial Condition component annually, within 90 days of the calendar year end. Lenders and servicers file it quarterly.

What is MCR Form Version 7? Form Version 7 is the current mortgage call report, used since Q1 2026. It adds servicing detail, clarifies refinance categories and uses a new XML schema.

Do I file a mortgage call report if I closed no loans? Yes. The requirement applies to every state-licensed company, so a quarter with no closed loans still needs a filing.

Sources

1. NMLS: Mortgage Call Report: Getting Started and Submission Dates
2. NMLS: Standard MCR Sample
3. NMLS: Expanded MCR Sample
4. CSBS / NMLS: Amendments and Additions to MCR Form Version 7 (Public Comment)
5. Texas Department of Savings and Mortgage Lending: MCR FV7 Guidance
6. Washington DFI: Mortgage Call Reports
7. Polunsky Beitel Green: 2025 Updates at NMLS and the Texas SML