Recent News

Mortgage Origination, Mortgage Servicing

10th Annual Mortgage Industry Seminar

Last Updated on August 5, 2022 Date/Time November 7, 2022 1:30 pm – 3:30 pm Location Renaissance Dallas at Plano Legacy West Hotel... Read More 10th Annual Mortgage Industry Seminar

Thrift Regulation

Precomment Draft and Stakeholder Webinar Notice: Savings Bank Rule Review (7 TAC Chapters 75, 76, 77)

Last Updated on July 19, 2022 The Department of Savings and Mortgage Lending (SML or the Department) is considering changes to its rules in... Read More Precomment Draft and Stakeholder Webinar Notice: Savings Bank Rule Review (7 TAC Chapters 75, 76, 77)

Mortgage Origination

Adopted Rules Notice: Home Equity – Business Day Definition (7 TAC §153.1)

Last Updated on July 12, 2022 Effective July 14, 2022, the Finance Commission of Texas and the Texas Credit Union Commission (commissions),... Read More Adopted Rules Notice: Home Equity – Business Day Definition (7 TAC §153.1)

Mortgage Origination, Mortgage Servicing

Mortgage Licensing Phone Bank Closed Morning of May 26, 2022

Last Updated on May 24, 2022 Due to Agency-Wide Training on May 26, 2022, the Mortgage Licensing section will be answering licensing... Read More Mortgage Licensing Phone Bank Closed Morning of May 26, 2022

Department of Savings and Mortgage Lending

What We Do

The Department of Savings and Mortgage Lending is an agency of the State of Texas and is subject to the oversight and under the jurisdiction of the Finance Commission of Texas. The Department has two key areas of regulatory responsibility:  the chartering, regulation and supervision of the state’s thrift industry; and the licensing/registration and regulation of the state’s mortgage industry. These two areas of responsibility cover the vast majority of residential mortgage lending in Texas.

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State Agency Established in Texas
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Combined Assets Regulated in State Chartered Savings Banks
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Residential Mortgage Loan Originators Regulated in Texas
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Mortgage Related Entities Regulated throughout Texas
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