Announcement: 2025 Report on Mortgage Lending in Texas

Summary

The Texas Department of Savings and Mortgage Lending has released its 2025 report analyzing statewide mortgage lending trends, market share, and closing costs. This year's edition includes new commentary on the implementation of the Texas Responsible Artificial Intelligence Governance Act (TRAIGA) regarding industry use of AI in underwriting and consumer engagement.

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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What does "Announcement: 2025 Report on Mortgage Lending in Texas" cover?

The Texas Department of Savings and Mortgage Lending has released its 2025 report analyzing statewide mortgage lending trends, market share, and closing…

Which agency issued this update?

This update was issued by Texas Department of Savings and Mortgage Lending.

When was it published?

It was published on December 3, 2025.

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