Texas Implements New Supplemental Filing Requirement For Mortgage Call Reports

The Texas Department of Savings and Mortgage Lending (SML) has announced a new state-specific reporting requirement for residential mortgage companies and mortgage bankers that will take effect with the first quarter of 2026 Mortgage Call Report (MCR) filings.

Under amendments to 7 Texas Administrative Code §§ 56.205 and 57.205, entities licensed or registered in Texas that engage in third-party mortgage loan processing or underwriting — including those that rely on independent loan processors and underwriters — must now complete an expanded section of the State-Specific Supplemental Form (SSSF) as part of their quarterly MCR submission through the Nationwide Multistate Licensing System (NMLS).

The SSSF, first introduced in April 2024 with Form Version 6 and continuing in the upcoming Form Version 7 scheduled for release in April 2026, captures state-specific data not otherwise collected in the standard MCR. Required data entries will cover activity tied to licensed processors and underwriters, including figures for applications in process at the beginning and end of the quarter, applications received for processing or underwriting, applications returned incomplete, net changes in application amounts, and completed processed or underwritten applications (SF600 through SF660).

SML is urging affected firms to review their business activity designations in NMLS to ensure accurate classification and to prepare internal reporting systems and personnel for the new compliance obligations. Training and procedural adjustments are recommended ahead of the Q1 2026 reporting period.

For additional guidance, SML directs licensees to the NMLS Resource Center and to consult the full regulatory text of 7 TAC §§ 56.205 and 57.205.