Consumer Complaint Form
The Department of Savings and Mortgage Lending (the Department) may take disciplinary action against a person who is licensed or registered under its programs when the subject property is located in Texas, and anyone who has violated a law that is within the scope of the Department’s enforcement authority, regardless of license status.
The Department accepts complaints against the following entities:
- Residential Mortgage Loan Originators
- Mortgage Companies
- Financial Services Companies
- Auxiliary Mortgage Loan Activity Companies
- Independent Contractor Loan Processors
- Independent Underwriters
- Mortgage Bankers
- Residential Mortgage Loan Servicers
- State Savings Banks / Thrifts
The Department does not regulate:
- Federal or state banks
- Real estate brokers or agents
- Title insurance companies
- Appraisers
- Buyers or sellers who are not licensed by the Department
- Income or investment properties
The Department does not:
- Resolve commission or employment disputes between its licensees.
- Give legal advice, opinions or act as your personal legal representative.
Below is an online complaint form. All complaints must be signed and in writing. The Department does not accept complaints over the telephone or unsigned complaints by electronic mail. Be sure to enclose copies of all relevant supporting documents when returning the complaint form to the Department. PLEASE DO NOT SEND ORIGINAL DOCUMENTS.
If you are disabled and need help completing this form, please call us toll free at (877) 276-5550.
If you do not want your identity revealed, or do not sign your complaint, we will not be able to process it. If an investigation is opened, the person or entity against whom the complaint is filed will receive a copy of the complaint. You may be required to testify as a witness in a hearing in Austin, Texas
File a Complaint Form
What to Expect After Submitting a Complaint:
- You will be notified by mail or email that your complaint has been received within 10 business days.
- We will determine whether your complaint states facts which could establish a violation of one or more of the laws that the Department administers and enforces.
- If so, the Department will open an investigation of your complaint.
- If not, the Department will let you know that we will not take further action on your complaint.
To check the status of your complaint after 10 business days, you may contact the Complaint Intake Assistant toll free at (877) 276-5550.
Department of Savings and Mortgage Lending
Hector Retta, Commissioner
Savings and Mortgage Lending
- Open Records Policy
- Fraud Policy
- Website Accessibility Policy
- Privacy Policy
- Compact With Texans
- Texas Finance Commission
State of Texas
- Texas.gov
- TRAIL Search
- State Energy Savings Plan
- Texas State Expenditures
- State Website Linking and Privacy Policy
- Texas Homeland Security
- Texas Veterans Portal
Quick Links
- Apply for a License
- Search for a License Holder
- File a Complaint
- Pay Penalties Online
- Apply for a Job
- File an Open Records Request
Promote and protect a healthy mortgage lending environment in Texas.
- Home
- Agency Information
- Thrift Regulation
- Mortgage Regulation
- Consumer Protection
- Contact Us
- Español
© Copyright 2024, Department of Savings and Mortgage Lending. All rights reserved. Site by Presley Design Studio.
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.
