Washington State Department of Financial Institutions

Mortgage Call Report

Licensed companies must file the Mortgage Call Report through the NMLS.

Non-residential real estate related Consumer Loan licensees must file this quarterly report. File the report indicating “zeros” for all mortgage-related activity. There is no system cost to file this report this year. DFI is working with NMLS to consolidate this report with the Consolidated Annual Report to eliminate this duplicative filing.


About the Mortgage Call Report

The Mortgage Call Report is filed by the company on behalf of its originators. The report is not filed by individual mortgage originators.

The Mortgage Call Report is a requirement of the SAFE Act. All licensed Mortgage Broker and Consumer Loan companies who make, service or broker loans secured by residential real estate must file the report.

In addition, exempt companies who employ licensed mortgage loan originators must also file the report.

The Mortgage Call Report must be filed 45 days after the end of each quarter through the NMLS. The May 15th filing covers business in the first quarter (January 1, 2011 through March 31, 2011).


How to Complete the Mortgage Call Report

The standard Mortgage Call Report contains two parts:

To submit the Mortgage Call Report, company users will follow these steps:

  1. Log into the NMLS.
  2. Create a new filing and open the Mortgage Call Report part of the filing.
  3. Either manually enter data into the report within the NMLS or upload a properly formatted XML file to the NMLS.
  4. Go to “Completeness Check & Submit” to attest and submit the filing.

Deadlines for Submitting the Mortgage Call Report

Residential Mortgage Loan Activity- Due quarterly, within 45 days after every calendar quarter:

Financial Condition- Due annually, within 90 days of company’s Fiscal Year End


Mortgage Call Report Resources


Frequently Asked Questions

  1. Am I required to file the Mortgage Call Report?
    The Mortgage Call Report must be filed by all licensed Mortgage Brokers and Consumer Loan companies who make, service, or broker loans secured by residential real estate. The report must also be filed by all exempt companies who employ licensed mortgage loan originators. The report must be filed whether or not any business has been conducted under the license.
  2. Do branch offices and originators have to file the Mortgage Call Report?
    No. The Mortgage Call Report is filed by the Mortgage Broker and Consumer Loan Companies and covers activities for branch offices and originators.
  3. Do Consumer Loan licensees who make personal property loans have to file the Mortgage Call Report?
    Yes. Non-residential real estate related Consumer Loan licensees must file this quarterly report. File the report indicating "zeros" for all mortgage-related activity. There is no system cost to file this report this year. DFI is working with NMLS to consolidate this report with the Consolidated Annual Report to eliminate this duplicative filing.
  4. Will the Mortgage Call Report replace the Mortgage Broker Annual Report and the Consumer Loan Consolidated Annual Report?
    The Mortgage Call Report will replace the Mortgage Broker Annual Report. DFI has not yet determined if the Mortgage Call Report will replace the Consumer Loan Consolidated Annual Report.
  5. When and what information do companies submit on the Mortgage Call Report if their fiscal year is not a calendar year?
    The Mortgage Call Report must be submitted within 45 days of the end of the calendar quarter, not a company’s fiscal quarter. The activity information must reflect the data from the calendar quarter.
  6. Is there a cost for submitting the NMLS Mortgage Call Report?
    A processing fee will not be charted in 2011 for filing the Mortgage Call Report. A decision is expected later in the year about any processing fees associated with filing the Mortgage Call Reports for 2012 and beyond.
  7. My company operates in multiple states. Do I file the NMLS Mortgage Call Report for each state?
    Only one NMLS Mortgage Call Report is filed per company per quarter. This report includes break out data for each state in which the company is licensed or has licensed mortgage loan originators.
  8. If I am an approved Fannie Mae or Freddie Mac Seller/Servicer or a Ginnie Mae Issuer but I currently don’t service any loans or issue mortgage pools – do I have to complete the NMLS Mortgage Call Report?
    All state licensed companies or companies employing state licensed MLOs must complete the NMLS Mortgage Call Report even if they have had no activity during the reporting period. Companies that did not have activity during a particular quarter will be able to indicate this on the NMLS Mortgage Call Report. The system will require companies that have indicated on the MU1 Other Business Section that they are an approved Fannie Mae or Freddie Mac Seller/Servicer or Ginnie Mae Issuer to complete the Expanded NMLS Mortgage Call Report.
  9. I am an approved Fannie Mae or Freddie Mac Seller/Servicer or a Ginnie Mae Issue but I currently do not complete the MBFRF – do I have to complete the NMLS Mortgage Call Report?
    All state licensed companies or companies employing state licensed MLOs must complete the NMLS Mortgage Call Report even if they have had no activity during the reporting period or have not completed the MBFRF. If your state licensed company (or you are a company employing state licensed MLOs) is a Fannie Mae or Freddie Mac Seller/Servicer or Ginnie Mae Issuer, you must file the Expanded NMLS Mortgage Call Report through NMLS. Companies that did not have activity during a particular quarter will be able to indicate this on the NMLS Mortgage Call Report.
  10. What if I am a state licensed subsidiary of a federally regulated institution? Do I have to complete the NMLS Mortgage Call Report?
    All state-licensed companies or companies employing state-licensed MLOs must complete the NMLS Mortgage Call Report.
  11. If my institution is only federally-registered on NMLS and we only employ federally-registered MLOs, must we submit the NMLS Mortgage Call Report?
    Currently only state-licensed companies and companies employing state-licensed MLOs must complete the NMLS Mortgage Call Report.
  12. What do I include in the Broker Fee and Lender Fee fields of RMLA Section I?
    Include all fees that your company has collected and retained. Examples include, but are not limited to, origination fees, application fees, servicing release premiums (SRP), and yield spread premiums (YSP). Do not include pass through fees. Note that compensation paid to MLOs is not considered a pass through fee.
  13. How do I report my MLOs on the NMLS Mortgage Call Report?
    You must enter the NMLS ID of the MLO along with the dollar amount and count of the residential loans that MLO closed during the reporting period. If the MLO had no activity, you would enter zeroes in the amount and count fields but the MLO must be listed for each state they hold a license.
  14. What if my company had no MLOs during the reporting period?
    When making the Mortgage Call Report filing, you will have the opportunity to enter information for any of your state licensed MLOs. If you do not have any state licensed MLOs during a reporting period, you would leave this section blank and attest to the filing before submission.
  15. How do we report warehouse lines of credit?
    Currently, you must list your warehouse lines of credit on each Residential Mortgage Loan Activity (RMLA) component. While each RMLA component is reported by state, the lines of credit should reflect all lines of credit the company holds.
  16. Will the NMLS Mortgage Call Report be made available to the public?
    Company specific reports will not be made publicly available. Aggregate data may be released to the public at a future date.
  17. What happens to my data once it is submitted?
    NMLS will process the data and release reports to state regulators on the submitted data. State regulators may also review individual company Mortgage Call Report filings within the system.
  18. What amount do I report under the application amount – the initial amount on the application or the amount the application closes if it changes?
    The initial amount on the application should be used when completing the Application data in the NMLS Mortgage Call Report.
  19. What do you mean by “application” for the NMLS Mortgage Call Report?
    Application is defined in the NMLS Mortgage Call Report as “an oral or written request for a home purchase loan, a home improvement loan, or a refinancing that is made in accordance with procedures used by a financial institution for the type of credit requested.” The NMLS Mortgage Call Report primarily relies on the Reg. B use and definition of application and generally follows HMDA reporting requirements.

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