As we move deeper into 2025, mortgage lenders face increasing pressure to streamline compliance and stay ahead of evolving regulatory expectations. One area drawing renewed focus is the Mortgage Call Report (MCR)—a critical filing required each quarter. For lenders looking to reduce risk, boost efficiency, and stay compliant across multiple states, integrating MCR reporting into your loan origination system is no longer optional—it's essential.
Understanding the MCR Landscape
MCRs are submitted to maintain compliance with state and federal regulators. They summarize loan activity, financial condition, and licensing details. As regulatory demands grow more complex, timely and accurate submissions have become vital for operational continuity.
Challenges of Traditional Reporting Methods
Many lenders still manage MCRs manually, relying on spreadsheets, emails, and disconnected data sources. This increases the risk of errors and delays. For lenders licensed in multiple states, the burden grows exponentially.
How Path by Calyx Streamlines the Process
Path by Calyx offers a more innovative approach. As a modern, cloud-based loan origination system, Path delivers powerful tools that simplify and automate MCR reporting:
- Built-in compliance tracking and validation
- Automated report compilation and XML export
- Centralized license management for multi-state oversight
- Real-time data updates and configurable logic to reduce manual steps
By consolidating compliance workflows into one seamless platform, Path empowers your team to file faster and with greater confidence.
Support That Scales With You
In today’s compliance climate, having responsive, knowledgeable support is just as important as having the right software. Path by Calyx includes access to U.S.-based, multilingual support specialists and robust training resources. Whether you’re tackling your first MCR or managing submissions across multiple jurisdictions, we’ve got your back.
Looking Ahead: A More Connected Future
As mortgage technology evolves, the future of MCR reporting will include more real-time compliance tracking, predictive insights, and integration with state agencies. Path is built to evolve with these changes, helping you stay ahead of tomorrow’s requirements.
Why It Matters
When MCR reporting becomes part of your core workflow, you:
- Minimize compliance risk
- Reduce reporting time
- Eliminate manual errors
- Free your team to focus on growth
Conclusion
Loan origination is evolving, and your compliance processes should evolve with it. Path by Calyx delivers an integrated, automated approach to MCR reporting that aligns with modern mortgage practices and regulatory expectations. Stay compliant, stay confident, and stay focused on what matters most: growing your business.
Ready to see how Path by Calyx can transform your MCR process? Call us at (214) 362-2499 or request a demo today.
