Texas Mortgage Bankers Association - TMBA

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Founded in 1917, the Texas Mortgage Bankers Association has provided leadership, legislative advocacy, and education to the real estate finance industry. We promote fair and ethical lending practices among real estate finance professionals through a wide range of programs. As the oldest and largest statewide MBA, our mission is to advance Texas mortgage banking and serve the mutual interests of our members who support Texas' annual $100-plus billion mortgage market.


Because decisions made by the State Legislature impact not only your livelihood, but your customer’s access to mortgage money as well. We, as TMBA members, have a responsibility to protect not only our businesses, but an availability of competitive mortgage money to consumers. By being a TMBA member and a part of the TMBA Advocacy efforts, you have the opportunity to get involved and speak up!

The TMBA has been successful in blocking legislation that could have created additional burdensome regulation on accessing affordable home loans and that could have affected a 1st lien priority position. Examples of previously successful legislation include:


  • Preserving the Texas Department of Savings and Mortgage Lending as an independent agency within the Finance Commission to oversee the mortgage industry and state chartered thrifts.
  • Supported legislation repealing antiquated code prohibiting home equity loans for agricultural property owners.
  • Supported legislation allowing county clerks to permit recording of a paper printout of an electronic documents in the real property records expanding the ability to have electronic closings in the 180 Texas counties that do not have electronic document recording capability.
  • Supported legislation amending the Texas SAFE Act to mirror federal act changes granting temporary authority to originate to a registered residential mortgage loan originator moving to a non-depository lender and to an out of state licensed residential mortgage loan originator.
  • Prevented multiple efforts to impose additional requirements on mortgage loan servicers.
  • Prevented legislation that would have elevated a subcontractor’s lien ahead of a mortgage lien and another proposal that would have prohibited a lender from enforcing a deed of trust if the borrower had claimed age or veteran deferrals for property taxes.


  • Simplification of loan originator licensing SB 1004. Drove the effort to reduce current 6 separate loan originator license types to a single license.  Crafted provisions to allow Texas to participate in the multistate license exam initiative.
  • Constitutional Amendment SJR 18. Brings Texas law on reverse mortgage in  line with all 49 other states by permitting a reverse mortgage for purchase.
  • Defeated anti-Mers legislation that would have imposed a $1,000 per transaction penalty for not filing an individual mortgage assignment when a loan is securitized or transferred.
  • Defeated 2 bills that would have made Texas out of compliance with SAFE and potentially risking CFPB takeover of mortgage licensing for Texas originators.
  • Defeated legislation that would have materially changed construction lending by imperiling lender lien priority and imposing additional obligations on construction lenders.
  • Defeated legislation that would have restricted mortgage servicing handling of casualty insurance proceeds.
  • Defeated several bills that would have imposed additional requirements on  mortgage loan servicers.
  • Fought and diverted multiple bills that would have amended the non judicial foreclosure provisions of the Property Code.
  • Successfully defended mortgage lien priority in opposing and  successfully modifying   3 separate bills.
  • Fought for property tax loan lending reform that has passed the Senate and awaits final vote on the floor of the House.

Join the TMBA Advocacy Army TODAY and “Put your mouths where our money went!”

Note: You MUST be a current member of TMBA to join the Advocacy Army.

In order to match you with your state representative and senator, please provide your home address below (this information will only be used for TMBA's Advocacy Army initiatives in order to match you with your legislator:

 First Name  
 Last Name  
 Home - Street Address  
 Address (cont.)  
 Home - City  
 Home - State/Province  
 Home - Zip/Postal Code  
 Work Phone  
YES, I am a TMBA Member
YES, I would be willing to contact my state official who represents my district to express my support of TMBA and our mutual mortgage industry goals.
Do you have a personal relationship with a state offical? If you do, please complete the information below.
Name of state official
Relationship (personal, family, business, etc):
YES, I would be willing to contact my state official who I know personally to express my support of TMBA and our mutual Mortgage industry goals.

Download the Advocacy Army [pdf format].
If you’d like to make a TMBPAC donation to help support the efforts of the Advocacy Army, Please click here.

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