Safe Rate Rankings

Best Jumbo Mortgage Lenders in San Antonio

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders213

Total Loans36,244

Median Rate Spread0.23%

San Antonio Market Insights

Bank of America National Association is Safe Rate's top-ranked Jumbo lender in San Antonio, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In San Antonio, Randolph Brooks Federal Credit Union and Bank of America National Association scores highest on Jumbo pricing while Bank of America National Association and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in San Antonio, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in San Antonio: Rocket Mortgage (#6) and Randolph Brooks Federal Credit Union (#2).

Explore Rankings by Type

Overall Rankings

All lenders in San Antonio

Need rankings for a different loan product?

FHA Loans Conventional Loans VA Loans USDA Loans

By Institution Type

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,368Fees	0.098%Below	131
2	RANDOLPH-BROOKS FEDERAL CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$375Fees	0.398%Above	1,368
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,099Fees	0.024%Below	1,858
4	SECURITY SERVICE FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Exceptional	$308Credit	0.087%Above	499
5	Wells Fargo Bank, National Association BankDirect	Strong	Exceptional	Exceptional	Strong	Strong	$1,700Fees	0.055%Above	167
6	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$4,208Fees	0.420%Above	1,717
7	Frost Bank BankDirect	Strong	Exceptional	Strong	Strong	Strong	$620Credit	0.515%Below	163
8	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,150Fees	0.071%Above	816
9	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$3,447Fees	0.167%Above	350
10	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$4,104Fees	0.025%Above	491
11	CORNERSTONE CAPITAL BANK, SSB BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,126Fees	0.080%Above	447
12	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$3,095Fees	0.336%Above	167
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,886Fees	0.373%Above	250
14	First United Bank and Trust Company BankDirect	Strong	Acceptable	Exceptional	Sound	Strong	$2,782Fees	0.241%Above	169
15	Sunflower Bank, National Association BankDirect	Sound	Acceptable	Strong	Sound	Strong	$3,917Fees	0.144%Above	78
16	Jefferson Bank BankDirect	Sound	Mediocre	Strong	Strong	Exceptional	$2,781Fees	0.165%Above	244
17	GARDNER FINANCIAL SERVICES, LTD. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Exceptional	$4,958Fees	0.330%Above	649

❓ Frequently Asked Questions

How are mortgage lenders ranked in San Antonio?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in San Antonio), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in San Antonio?+

Based on 2024 HMDA data, 213 lenders originated a combined 36,244 loans in San Antonio. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in San Antonio?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in San Antonio is 0.23%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In San Antonio's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.