Key Mortgage Data Reporting Updates for 2026: Texas SSSF, MCR FV7, and Ginnie Mae LER

The start of 2026 brings a trio of mortgage data reporting changes that demand immediate attention. Texas is adding a granular processor/underwriter section to its Mortgage Call Report (MCR), the Department of Savings and Mortgage Lending (SML) is rolling out MCR Form Version 7 (FV7), and Ginnie Mae is introducing next‑business‑day liquidation event reporting (LER). Together, they reflect an industry‑wide push for more timely, detailed, and machine‑consumable data.

These updates build on existing GSE data pushes like Fannie Mae’s Uniform Closing Dataset (UCD) and Freddie Mac’s Uniform Loan Delivery Dataset (ULDD), which already require structured XML delivery. The new requirements layer on additional fields and faster turnaround times, making a systematic compliance approach essential.

Texas State‑Specific Supplemental Form for Processors and Underwriters

Beginning Q1 2026, residential mortgage companies and mortgage bankers licensed or registered in Texas that use independent loan processors and underwriters must complete a new section of the MCR State‑Specific Supplemental Form (SSSF). This applies to entities that report third‑party mortgage loan processing or underwriting activities in NMLS.

Who is affected?

• Texas‑licensed mortgage companies and mortgage bankers
• Entities engaged in third‑party mortgage loan processing or third‑party mortgage underwriting

What data is required?

The “Licensed Processors and Underwriters” section collects counts of applications assigned by third‑party entities for processing or underwriting. Key fields include:

• SF600 – Applications in process at the beginning of the quarter
• SF610 – Applications received during the quarter
• SF620 – Applications processed or underwritten during the quarter

Data must be provided as whole numbers (Count (#) ) or positive dollar amounts to the nearest dollar (Amount ($) ), depending on the field. Do not include symbols or decimals.

Integration with MCR

The SSSF is part of MCR FV6 and will continue in FV7, which goes live for the Q1 2026 reporting period (April 1 – May 15, 2026 filing window). Lenders must ensure their NMLS submissions include this supplemental data if they engage covered third‑party activities.

Mortgage Call Report Version 7 (FV7)

SML has confirmed that MCR FV7 takes effect with Q1 2026 reporting. The submission window opens April 1, 2026, and reports are due by May 15, 2026. While SML will not provide a blanket grace period, it has stated it will not actively pursue enforcement for late Q1 2026 filings absent other reasons.

Lenders should use the transition to FV7 as an opportunity to review all data points collected in the MCR and ensure internal systems align with the new Version 7 format. Given the added SSSF requirements in Texas, dual‑state or multi‑jurisdictional lenders must coordinate both mapping efforts.

Ginnie Mae Single Family Liquidation Event Reporting (LER)

Ginnie Mae is rolling out a new liquidation event reporting (LER) mandate for Single Family Issuers. Under APM 25‑07, issuers must report loan liquidations as they occur throughout the month.

• Timing – LERs are due by 5:00 AM ET the first business day following the liquidation event. Corrections can be submitted through the last day of the issuer’s reporting period in which the loans are liquidated.
• Data reuse – The LER leverages the existing “L Record” from the Issuers Monthly Report of Pool and Loan Data, but only fields pertinent to liquidation are required. This minimizes new data mapping but still demands prompt submission.
• Testing – Testing was anticipated to begin in late 2025; Ginnie Mae will publish implementation dates via future APMs and modernization bulletins.

Issuers should prepare internal workflows now to capture liquidation events in real‑time and generate the required LER file within the tight next‑day window. This is a significant acceleration from the traditional monthly reporting cycle.

Four Steps to Prepare for the 2026 Reporting Wave

Rushing at the deadline invites errors. These four steps—anchored in a compliance calendar—can spread the workload and catch gaps early.

1. Audit Your Data Landscape

Document every system that feeds the affected reports: loan origination, servicing, third‑party processing, NMLS reporting, and Ginnie Mae submittals. For the Texas SSSF, confirm whether you track independent processor/underwriter assignments and can produce the required counts. For Ginnie Mae LER, verify that your servicing system can generate a liquidation record the same day an event occurs.

2. Map and Test New Data Fields

Create a mapping from your source systems to each new reporting field. For the Texas SSSF, that means counting applications accurately over the defined period. For MCR FV7, review the full field list against your current extraction. For Ginnie Mae LER, align the “L Record” fields to your servicing database. Test mappings in a sandbox before production to avoid rejections.

3. Automate Where Possible

Manual reporting for next‑day obligations is extremely risky. Automate data extraction and file generation for LER and ensure your NMLS upload process can handle the new SSSF fields. Many lenders use compliance monitoring tools to stay on top of changing specifications—see the section below.

4. Train Staff on New Requirements

Underwriters, closers, and servicing staff need to understand what the new reports require and how incomplete data can cascade. Incorporate field‑level validation checks into pre‑submission quality control. For instance, a Texas loan processor should know to verify that third‑party processing counts are accurate before the MCR is filed.

How Automated Regulatory Tracking Keeps You Ahead

Reporting requirements rarely remain static—Texas may expand its SSSF fields, Ginnie Mae may adjust LER timing, and SML will refine MCR FV7 over time. A regulatory‑change management platform like Reglith monitors official sources and flags changes, so your team can update mappings and workflows long before a filing deadline. This proactive approach dovetails with the systematic preparation recommended in our guide on top compliance risks from emerging mortgage technologies.

Key Takeaways

• Three major reporting changes converge in early 2026 – the Texas SSSF for processors/underwriters, MCR FV7, and Ginnie Mae’s next‑day LER.
• Texas SSSF requires counts of third‑party processing/underwriting apps – ensure your data systems capture this granularity.
• MCR FV7 takes effect Q1 2026, with no blanket grace period; plan to file on time.
• Ginnie Mae LER demands same‑day liquidity tracking – automate to meet the 5:00 AM ET next‑day deadline.
• Audit, map, test, and train – a phased approach prevents errors and rejected filings.
• Automated regulatory tracking helps you stay on top of evolving specifications across state and federal agencies.