Recent News

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

Mortgage Origination

Adopted Rules Notice: Mortgage Books and Records

Last Updated on May 17, 2022 Effective May 14, 2022, the Department of Savings and Mortgage Lending adopted new rules (regulations) to... Read More Adopted Rules Notice: Mortgage Books and Records

Mortgage Origination, Mortgage Servicing

New NMLS Checklists for Residential Mortgage Loan Companies, Mortgage Bankers, and Mortgage Servicers

Today, 05/09/2022, the Department is pleased to announce the publication of recently updated NMLS Checklists for Residential Mortgage Loan... Read More New NMLS Checklists for Residential Mortgage Loan Companies, Mortgage Bankers, and Mortgage Servicers

Agency Information, Thrift Regulation

Precomment Draft and Stakeholder Webinar Notice: 7 TAC Chapters 51 and 52 Rule Review

Last Updated on March 25, 2022 The Department of Savings and Mortgage Lending (SML or the Department) is considering changes to its rules... Read More Precomment Draft and Stakeholder Webinar Notice: 7 TAC Chapters 51 and 52 Rule Review

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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