Mortgage Call Report and GRMA Reporting Requirements

Mortgage Call Report (MCR)

Company licensees must file a quarterly Mortgage Call Report (MCR) through the NMLS.  There are two components of the MCR filing - the Residential Mortgage Loan Activity (RMLA) and the Financial Condition (FC)

  • RMLA is due quarterly, within 45 days of the end of every 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
  • Financial Condition (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.

Read more about the MCR requirements on the NMLS website at:


Georgia Residential Mortgage Act (GRMA) Reporting

GRMA submission must be completed through the Department's website at:

  • GRMA reporting and payment is due twice each year:
    • Reporting for loans closed during the January 1 through June 30 collection period is due by the first business day in September
    • Reporting for loans closed during the July 1 through December 31 collection period is due by the first business day in March

Pursuant to O.C.G.A. Section 7-1-1011(b)(2), a $10 fee shall be imposed on the closing of every mortgage loan subject to regulation under this article which, as defined in Code Section 7-1-1000, includes all mortgage loans, whether or not closed by a mortgage broker or mortgage lender licensee.  The fee shall be paid by the borrower to the collecting agent at the time of closing of the mortgage loan transaction.  The term "collecting agent" means the person listed as the secured party on a security deed or other loan document that establishes a lien on the residential real property taken as collateral at the time of the closing of the mortgage loan transaction.  The collecting agent shall remit the fee to the department at the time and in the manner specified by regulation of the department.  A change to a security instrument made solely for the purpose of correcting a clerical error will not be subject to a $10.00 fee.  Mortgage licensees that act as the collecting agent (including brokers who table fund and collect the fee) must submit the fees and file the fee statement before the deadline to avoid fines and possible administrative action.