Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in San Antonio

Updated February 5, 2026

⚖️ 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 Lenders13

Total Loans36,244

Median Rate Spread0.23%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,368Fees	0.098%Below	131
2	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,150Fees	0.071%Above	816
3	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,700Fees	0.055%Above	167
4	Frost BankBank	Exceptional	Exceptional	Sound	Sound	Strong	$620Credit	0.515%Below	163
5	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$583Fees	0.350%Below	84
6	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,951Fees	0.397%Above	285
7	First United Bank and Trust CompanyBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,782Fees	0.241%Above	169
8	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,529Fees	0.221%Above	125
9	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,948Fees	0.151%Below	161
10	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,223Fees	0.270%Above	82
11	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Strong	$3,917Fees	0.144%Above	78
12	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Mediocre	Exceptional	Strong	Strong	$4,126Fees	0.080%Above	447
13	Jefferson BankBank	Strong	Acceptable	Sound	Sound	Exceptional	$2,781Fees	0.165%Above	244

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 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.