Form Version 7 compliance
All fields mapped to the latest NMLS XML schema and field definitions, effective Q1 2026. Every data element validated against the published schema.
The most rigorous MCR & license renewal service a non-bank mortgage lender can use.
LicenseKeeper assembles a documentation-complete quarterly Mortgage Call Report and annual license renewal package — every required form, every reconciliation, every state supplement, and the filing calendar — checked against NMLS rules and state licensing requirements before a licensed compliance analyst releases it.
Every NMLS MCR form version 7 fieldQuarterly RMLA + Financial Condition + state supplementsLOS data extraction & reconciliationLicensed compliance analyst sign-off on every filing5-business-day SLA
Why filings fail
A single error can trigger an exam finding or license suspension.
Every non-bank mortgage lender with a state license must file a quarterly Mortgage Call Report (RMLA + Financial Condition) and renew each license annually. Miss a field, misreconcile a number, or file late — and you face regulatory scrutiny, fines, or even license suspension.
Most lenders handle this manually — exporting LOS data, mapping to NMLS fields, and keying entries by hand. The process is error-prone, time-consuming, and scales poorly. With the new MCR Form Version 7 (first due Q1 2026), every filer's old process breaks.
LicenseKeeper exists to close that gap with a single, exhaustive standard applied identically to every filing.
5.1%
HMDA/data-integrity resubmission error threshold examiners apply
The benchmark
Measured against the letter of NMLS requirements — form by form, field by field.
We do not summarize the rules and hope. Every filing is scored against a versioned rule pack tied to the exact NMLS MCR schema and state licensing statutes. These are the provisions each pack is held to.
Quarterly RMLA filing
Residential Mortgage Loan Activity section filed within 45 days of quarter-end, with loan-level data reconciled to the LOS and prior quarters.
Financial Condition filing
Annual for Standard filers, quarterly for Expanded filers, due within 90 days of fiscal year-end (annual) or 45 days (quarterly). Verified against company financials.
State supplemental forms
Each state's additional reporting requirements identified and completed, with state-specific fields and attachments.
Annual license renewal
All company and MLO licenses renewed in the Nov 1–Dec 31 window, with correct fees, bonds, and state-specific requirements.
HMDA & data integrity checks
Cross-form validation against HMDA LAR and prior MCR filings; unexplained differences flagged and resolved before filing.
How a filing is built
Intake to licensed analyst release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A licensed compliance analyst signs every release. That order is never reversed.
01
Compliance Gap Scan
Upload your LOS export and license portfolio. We return a free completeness read: which MCR fields and renewal items you already have, and which are missing.
02
Data extraction & reconciliation
As your authorized clerical agent, we pull loan-level data from your LOS, reconcile against prior quarters and HMDA, and build the data package.
03
Grounded drafting
The MCR forms and state supplements are drafted from your validated data and the NMLS rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
All fields validated against FV7 schema; amounts reconciled to the penny; cross-form checks passed; renewal fees calculated; any failure blocks release.
05
Licensed analyst release
A licensed compliance analyst reviews the exception queue and signs the release. High-value or complex filings route to attorney review first.
06
Delivery
You receive the completed MCR filing (ready for NMLS submission), renewal package, evidence log, and filing calendar — ready for the lender to review and submit under its own name.
The bar we hold
Rigor you can measure.
100%
Licensed-analyst-released
No filing ships without a human signature.
5 days
Standard SLA
From complete intake to released filing.
<1%
Critical-defect target
Tracked against a gold-standard filing library.
3
Reconciliation sources
LOS · HMDA · prior MCR, every applicable file.
Why LicenseKeeper
Built to be the most thorough option a lender has.
Documentation-complete, by design
The deliverable is completeness itself — every MCR field and renewal requirement accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a regulatory requirement.
In its lane, on purpose
We prepare documentation and run data reconciliation as your clerical agent. We never provide legal advice, communicate with regulators on your behalf, or make attestations.
Engagement
Flat fee, per filing and per license. No contingency, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any loan volume.
- A free Compliance Gap Scan before you commit — see exactly what is missing.
- One flat fee per MCR filing plus per-state license annual fee; disclosed pass-through search costs.
- Optional fixed-fee attorney review for complex or high-risk filings.
- Optional Renewal Continuity Add-on for the full annual renewal cycle, pre-dated to your state deadlines.
FAQ
Questions, answered precisely.
Is LicenseKeeper a law firm?
No. LicenseKeeper, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for complex filings.
Do you file the MCR or renew licenses on my behalf?
No. LicenseKeeper prepares the documentation and data package for your review and submission. You remain the filer and are responsible for submitting the MCR and renewals under your own NMLS account.
What makes a filing 'complete'?
Completeness is defined by the NMLS MCR schema and state licensing rules: all required fields populated, data reconciled, cross-form checks passed, and renewal fees calculated. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a licensed-analyst-released filing. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per MCR filing plus per-state license annual fee, plus disclosed pass-through costs. No contingency and no percentage of any loan volume or revenue.
See what's missing before it costs you a license.
Start with a free Compliance Gap Scan. Send your LOS export and license portfolio and we'll return a completeness read against every NMLS MCR field and state renewal requirement.
Documentation-completeness service · not legal advice · the lender files every submission.