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Best San Antonio Mortgage Lenders of 2019

Feb. 4, 2019
Finding the Right Mortgage, Mortgages
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Whether buying a home inside or outside of Loop 410, you want a mortgage lender that performs like the Spurs — gets the job done well with a minimum of fuss.

NerdWallet researched mortgage companies in San Antonio and identified some of the best in important categories. Our national and regional picks are a good place to start as you shop for a mortgage.

» MORE: Five tips for finding the right mortgage lender

NerdWallet’s best San Antonio mortgage lenders

These national companies do a lot of business in San Antonio and are among NerdWallet’s top-rated mortgage lenders.

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at Navy Federal

National / regional

National

Min. down payment

0%

Why we like it

Ideal for military members and their families. Navy Federal Credit Union offers a wide range of mortgage products and low minimum loan amounts, and considers alternative credit data.

 

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at USAA

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for military members and their relatives who are interested in a VA loan.

 

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at Caliber Home

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for first-time home buyers, veterans and those who may have credit challenges to overcome.

 

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at LoanDepot

Min. credit score

620

Min. down payment

3.5%

Why we like it

Ideal for borrowers looking for a loan selection that nearly rivals banks. LoanDepot has affiliated locations nationwide and is well-rated for low customer complaint volume.

 

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at Rocket Mortgage

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for anyone who appreciates smartphone app service, support and time savings. A fully digital home loan experience with a large variety of mortgage products.

 

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at Fairway

National / regional

National

Min. down payment

3%

Why we like it

Ideal for borrowers who want lots of options and a quick turn time. Fairway Independent Mortgage offers a full selection of home loans along with a comprehensive mobile app for a fast and easy application process.

 

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at PrimeLending

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers looking for help with closing costs: PrimeLending's proprietary program, NeighborhoodEdge, helps qualified low- to moderate-income borrowers with up to $2,000 in closing cost credits (certain restrictions are based on income and location).

 

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at Flagstar

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for those who appreciate the full-service experience of a leading regional bank. Flagstar offers a full menu of fixed and adjustable home loans and mortgage refinancing, as well as jumbo loans and home equity financing.

 

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at Chase

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for first-time home buyers who want to talk to a loan officer in person or on the phone, and for homeowners who want to refinance their mortgages in 60 days or less. Chase offers a full line of mortgage products and account management tools.

 

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at Bank of America

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers who prefer a traditional bank. Bank of America offers a wide array of mortgages and online account management tools. It also has first-time home buyer loans with low down payments and no mandatory mortgage insurance.

 

» MORE: See the best Texas mortgage lenders

Local and regional mortgage lenders in San Antonio

The following mortgage companies are among the top lenders by loan volume in San Antonio, so they’re worth checking out if you’re looking for more options. NerdWallet has not reviewed these lenders.

AMCAP Mortgage

  • Offers options for low-down-payment borrowers.
  • One of the highest-volume FHA lenders in the area.
  • Offers combined purchase and renovation home loans.
  • Offers online pre-qualification.

Cornerstone Home Lending

  • More than half of its lending volume is in FHA and VA loans.
  • Has a full menu of conventional loan options, too, including jumbo loans.
  • Offers online pre-qualification.

Legacy Mutual Mortgage

  • Good for borrowers who want a homegrown lender based in San Antonio.
  • Offers a full menu of conventional and government-backed loans.
  • Makes Spanish-language versions of forms available online for borrowers to reference.
  • Has an online application process.

Security Service Federal Credit Union

  • Offers home equity loans and lines of credit.
  • Offers lot, land and construction loans.
  • Allows certain borrowers to save up to $5,000 on select closing costs for conventional loans.

Best San Antonio mortgage lenders: Summary

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NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.