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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in San Antonio
Updated February 5, 2026
Market Overview
213
Total Lenders
36,244
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $1,333 | -1.089% | 682 | |
2 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $375 | +0.398% | 1,368 | |
3 | SECURITY SERVICE FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | -$308 | +0.087% | 499 | |
4 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | $957 | -1.104% | 162 | |
5 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Strong | Strong | $1,895 | -0.730% | 76 | |
6 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Sound | Strong | $987 | -0.862% | 316 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,044 | -0.572% | 301 | |
8 | Frost Bank | Exceptional | Exceptional | Sound | Strong | -$620 | -0.515% | 163 | |
9 | CREDIT HUMAN FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $776 | +0.162% | 86 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,099 | -0.024% | 1,858 | |
11 | DIRECTIONS EQUITY, LLC | Strong | Sound | Exceptional | Exceptional | $1,735 | +0.049% | 703 | |
12 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,474 | -0.857% | 567 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,368 | -0.098% | 131 | |
14 | NBKC BANK | Strong | Exceptional | Sound | Sound | $583 | -0.350% | 84 | |
15 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $1,606 | -0.789% | 77 | |
16 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,107 | -0.199% | 75 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,220 | -0.547% | 984 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $3,150 | +0.071% | 816 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,168 | -0.179% | 438 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,700 | +0.055% | 167 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,208 | +0.420% | 1,717 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,447 | +0.167% | 350 | |
23 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,179 | +0.775% | 348 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,866 | +0.070% | 340 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,013 | -0.264% | 228 | |
26 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,799 | +0.087% | 111 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,104 | +0.025% | 491 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,498 | +0.453% | 491 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,671 | +0.073% | 489 | |
30 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Exceptional | $4,351 | +0.335% | 446 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,886 | +0.373% | 250 | |
32 | Jefferson Bank | Strong | Acceptable | Strong | Exceptional | $2,781 | +0.165% | 244 | |
33 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $4,794 | +0.216% | 201 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,689 | +0.119% | 197 | |
35 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $3,957 | +0.384% | 185 | |
36 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,095 | +0.336% | 167 | |
37 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,948 | -0.151% | 161 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $5,175 | +0.351% | 142 | |
39 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $2,770 | +0.393% | 91 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,183 | +0.588% | 744 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,024 | +0.502% | 496 | |
42 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $4,126 | +0.080% | 447 | |
43 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $6,049 | -0.770% | 364 | |
44 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $3,951 | +0.397% | 285 | |
45 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $4,639 | +0.290% | 281 | |
46 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | $2,961 | -0.752% | 261 | |
47 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,486 | +0.213% | 249 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,813 | +0.515% | 211 | |
49 | First United Bank and Trust Company | Strong | Acceptable | Strong | Strong | $2,782 | +0.241% | 169 | |
50 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Acceptable | Strong | Strong | $2,322 | -1.198% | 166 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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