New State-Specific Supplemental Form Requirement for Texas Mortgage Call Reports

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Announcement: New State-Specific Supplemental Form Requirement for Texas Mortgage Call Reports

December 15, 2025 | Agency Information, Mortgage Origination | Department of Savings and Mortgage Lending

Last Updated on December 18, 2025

Announcement: New State-Specific Supplemental Form Requirement for Texas Mortgage Call Reports

Beginning Q1 2026, residential mortgage loan companies and mortgage bankers licensed or registered in Texas that employ independent loan processors and underwriters must comply with a new reporting requirement under 7 Texas Administrative Code (TAC) §§ 56.205 (applicable to mortgage companies) and 57.205 (applicable to mortgage bankers).

Who is affected?

This requirement applies to both mortgage companies (including independent contractor loan processor and underwriter companies) and mortgage bankers that have indicated (or should indicate) in NMLS that they are engaged in either of the following business activities:

• Third-party mortgage loan processing
• Third-party mortgage underwriting What is Changing?

As part of the Mortgage Call Report (MCR) submission process via the Nationwide Multistate Licensing System (NMLS), mortgage companies and mortgage bankers must complete the “Licensed Processors and Underwriters” portion of the State-Specific Supplemental Form (SSSF).

What is required?

• The SSSF was introduced as a supplemental component of the MCR, beginning with Form Version 6 (FV6) in April 2024, and continues in Form Version 7 (FV7), slated for release in April 2026.
• The SSSF collects state-specific data not provided as part of the general MCR.
• Licensees/registrants must complete the Licensed Processors and Underwriters section of the SSSF, which includes SF 600 to SF 660 shown below.

| Licensed Processors and Underwriters |
| Enter the type of action taken on applications during the period.
Data Format:
Amount ($ US Dollars) – Positive dollar amount to the nearest dollar. Do not enter $, commas or decimals.
Count (#) – Positive whole number. Do not enter any symbols. |
| SF600 | Applications In Process at Beginning of Quarter | Number of applications assigned by a third-party entity for processing or underwriting that were outstanding at the end of the previous period. |
| SF610 | Applications Received for Processing/Underwriting During the Quarter | Applications you received during the period from a third-party entity for processing or underwriting. These applications are contracted to be returned to the third-party entity for a lending decision. |
| SF620 | Applications Returned to Creditor, Incomplete | All assigned applications returned to the originating third-party entity because the processor or underwriter could not complete the processing or underwriting due to a non-responsive borrower. |
| SF630 | Net Changes in Application Amount | Any changes to the loan amount that occurred while the loan was assigned to you by a third-party entity for processing or underwriting. This entry must be expressed as a positive or negative adjustment. This line only allows changes to the application amount. |

| Item # | Name | Definitions and Instructions |
| SF640 | Other Changes to Applications | Any other changes, directed by the assigning third party entity not meeting the definition in SF630 |
| SF650 | Applications Processed/Underwritten, Completed | All assigned applications, which were returned to the originating third party entity as complete and ready for the third-party entity to render a lending decision. |
| SF660 | Applications In Process at End of Quarter | Number of applications assigned by a third-party entity for processing or underwriting outstanding at the end of the period. |

What are the next required actions?

If your company engages in third-party processing or underwriting in Texas:

1. Review your NMLS business activity designations and be sure that the activity is properly reflected in the Business Activities section of your MU1 filing.
2. Prepare to complete the SSSF as part of your Q1 2026 MCR filing.
3. Ensure internal teams are trained in the new reporting requirements.

Where can more information about this new SSSF be found?

• Visit the NMLS Resource Center for detailed instructions and the State MCR User Guide.
• Review the full text of 7 TAC §56.205 and §57.205.
• For questions about filing the SSSF or MCRs generally, contact .

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