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Nontraditional mortgage credit report (NTMCR): what it means

A nontraditional mortgage credit report (NTMCR) is, according to HUD, a type of credit report designed to show the history of a borrower who does not have the kinds of accounts that appear on a traditional report. On an FHA loan, if you have no credit score, the lender must get one from a credit reporting company or build your history itself.

In Spanish it is

Reporte de crédito hipotecario no tradicional (NTMCR)

Also written as: NTMCR · non-traditional mortgage credit report

A hand takes a leaflet out of a mailbox at an apartment building.

Verified on October 17, 2026

2 official sources

See the whole dictionary

The full explanation

The reporting company verifies that each provider exists and actually extended credit to you. The report shows, among other things, each account's twelve-month history and monthly payment, and it may not use phrases such as “satisfactory” in place of data.

An example

Diego has paid his rent, electricity and phone on time for years but has no credit cards. For his FHA loan, the lender orders a nontraditional mortgage credit report that shows those payments month by month.

You will see it in…

Your FHA loan documents if you have no credit score
HUD Handbook 4000.1, in the nontraditional credit rules
The lender's document list: rent or utility receipts

Words that go with it

You will rarely see this word alone. These are the ones that show up with it on the same papers.

Still confused by a paper?

A HUD-approved housing counselor can walk you through it. Agencies usually charge little or nothing, many work in Spanish, and they do not sell you anything.

What a housing counselor does See free help

Official sources

We sum up what these official sources say, in plain words. We add no rules they do not state; when a rule changes, the definition and its date change.

1. HUD · HUD Handbook 4000.1, II.A.5.a.ii(B): Non-traditional and Insufficient Credit (Manual) (external site) · in English · Verified on October 17, 2026
2. HUD · HUD Handbook 4000.1 glossary: Non-Traditional Mortgage Credit Report (NTMCR) (external site) · in English · Verified on October 17, 2026