2025 Report on Mortgage Lending in Texas Released
Summary
The Texas Department of Savings and Mortgage Lending released the 2025 Report on Mortgage Lending in Texas, fulfilling the constitutional mandate under Article XVI, Section 50(s) of the Texas Constitution. The annual report provides analysis of residential mortgage lending activity, including breakdowns of permissible liens, loan types, closing costs, interest rates, and market share trends. This year's report includes a new section on artificial intelligence and emerging technologies in the mortgage industry, referencing the Texas Responsible Artificial Intelligence Governance Act.
What changed
The Department of Savings and Mortgage Lending announced the release of the 2025 Report on Mortgage Lending in Texas, fulfilling an annual constitutional reporting requirement. The report covers residential mortgage lending practices, economic factors influencing the Texas housing market, and market trends including permissible liens, loan types, closing costs, interest rates, and market share. A notable addition this year is a section addressing artificial intelligence and emerging technologies in the mortgage industry, referencing the Texas Responsible Artificial Intelligence Governance Act.
For mortgage lenders, financial institutions, and industry professionals, this report serves as a reference document on current market conditions and regulatory trends. The inclusion of AI governance content signals growing regulatory attention to technology adoption in mortgage lending. The report does not impose new compliance obligations but provides context for understanding how AI technologies are being integrated into underwriting, compliance, and consumer engagement processes.
Archived snapshot
Apr 18, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Home Agency Information, Mortgage Origination Announcement: 2025 Report on Mortgage Lending in Texas
Announcement: 2025 Report on Mortgage Lending in Texas
December 3, 2025 | Agency Information, Mortgage Origination | Department of Savings and Mortgage Lending
Last Updated on December 3, 2025
The Department of Savings and Mortgage Lending (SML) is pleased to announce the release of the 2025 Report on Mortgage Lending in Texas, a comprehensive annual report detailing residential mortgage lending activity across the state.
This report fulfills the constitutional mandate under Article XVI, Section 50(s) of the Texas Constitution, requiring an annual analysis of mortgage lending practices and trends. It provides valuable insights into the residential mortgage lending market and economic factors influencing the Texas housing market.
The report also includes detailed breakdowns of permissible liens, loan types, closing costs, interest rates, and market share trends.
This year’s report includes a new section on the growing role of artificial intelligence (AI) and emerging technologies in the mortgage industry. It highlights the passage of the Texas Responsible Artificial Intelligence Governance Act (TRAIGA) and explores how AI is reshaping underwriting, compliance, and consumer engagement.
2025 Report on Mortgage Lending in Texas
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