Recent News
December 3, 2025| Agency Information, Mortgage Origination
Announcement: 2025 Report on Mortgage Lending in Texas
November 12, 2025| Mortgage Origination
Adopted Rules Notice: RMLO Military Licensing Requirements (7 TAC § 55.110)
October 23, 2025| Agency Information, Mortgage Origination, Mortgage Servicing
Announcement: Required Use of Electronic Surety Bonds – 7 Tex. Admin. Code §58.107
October 6, 2025| Mortgage Origination, Mortgage Servicing
13th Annual Mortgage Industry Seminar
Upcoming Events
December 24, 2025 - December 26, 2025
January 1, 2026
January 19, 2026
February 16, 2026
March 2, 2026
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.
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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Department of Savings and Mortgage Lending
Hector Retta, Commissioner
Savings and Mortgage Lending
State of Texas
Promote and protect a healthy mortgage lending environment in Texas.
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External links to other sites are intended to be informational only and do not have the endorsement of the Department of Savings and Mortgage Lending.
External links to other sites are intended to be informational only and do not have the endorsement of the Department of Savings and Mortgage Lending.