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Find the Best Mortgage Lenders in San Antonio, TX

Many people find the mortgage process intimidating, but a good San Antonio mortgage company handles the buying details so you can seamlessly move into your new house. To help you during this process, we created this guide to walk you through mortgage options and showcase the best mortgage lenders in San Antonio.

Top 11 San Antonio Mortgage Loan Companies

ClearPath Lending
Read 968 Reviews

Nationwide mortgage lender based in California. Offers lending and refinancing services in almost every state. Specializes in fixed-rate and adjustable-rate loans and guarantees the best pricing for your loan.

AmeriSave Mortgage
Read 3,406 Reviews

Offers affordable mortgages through its easy online approval process. Custom quotes include no obligations, no commitments and no hidden fees. Provides a wide variety of loan types, including conventional, jumbo, FHA, VA and USDA.

Mr. Cooper
Read 9,449 Reviews

Provides new home loans and mortgage refinancing. Offers competitive interest rates. Award-winning mobile app. Online loan tracking. Guarantees closing date or the company will pay your first mortgage payment.

Vanderbilt Mortgage
Read 2,026 Reviews

Provides mortgage financing for manufactured, mobile and modular homes. Offers several types of mortgages, including conventional, FHA, biweekly, land and more. Programs for lower credit scores available.

BOK Financial Mortgage
Read 1,710 Reviews

Offers conventional, jumbo, FHA, VA, USDA and Native American home loan programs plus mortgage refinancing. The Lock and Build program is available to finance new home construction. Direct mortgage lender.

Academy Mortgage Read Author Review

Offers conventional mortgages, FHA, USDA, VA, Texas VET, SETH Bond and refinancing. Provides direct loans. Offers a 180-day extended rate lock to take advantage of lower rates for a longer time.

Aligned Mortgage Read Author Review

Specializes in loans for veterans. Offers educational seminars or appointments to meet in person for support and education. Provides helpful website with informative blog and an online application.

Clarity Mortgage Read Author Review

Qualifies customers with 550+ credit scores in as little as five minutes. Offers traditional loans like FHA, conventional and USDA, plus niche mortgage services. Helps fit mortgages to customers’ exact needs.

Cornerstone Home Lending Read Author Review

Offers in-house processing, underwriting and funding for smooth transactions and on-time closings. Provides customers with access to hundreds of loan products nationwide. Gives competitive rates and value.

Gold Financial Services San Antonio Read Author Review

Offers processing, underwriting and closing all under one roof to be a one-stop shop for all mortgage needs. Uses the most advanced technology available. Provides customers with more flexible options and savings.

Pilgrim Mortgage Read Author Review

Maintains a 98% customer satisfaction rating. Strives to provide transparent figures and up-front pricing. Offers accurate, competitive closing costs.

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Choosing a mortgage lender in San Antonio

Finding a mortgage lender in San Antonio is a huge decision, but there are several steps you can take to make your choice more manageable.

  • Checking review sites is the easiest way to gather the most data possible. Try to focus on how the company interacts with its clients and its overall customer service.
  • Asking friends, family, neighbors and your realtor can shrink the extensive list of companies.
  • Getting quotes from multiple companies is crucial to have an idea of your borrowing power. Be sure to compare each company's mortgage rates. Rates differ between companies, so it’s essential to shop around.

You should also search for a company that offers low down payment options and helpful resources. Experts also suggest finding a lender who has Mortgage Bankers Association’s Certified Mortgage Banker (CMB) certification next to its name.

Finding a San Antonio home loan

Most San Antonio residents choose a 30-year conventional loan for their home. If you have bad credit, you may want to look into an FHA loan. There are many loan options to explore, and the right mortgage company helps guide you through them.

Location plays a significant role in deciding which loan to pursue, and the best mortgage lenders in Texas examine your area of choice and give you a better idea of what type of loan fits your situation. Many rural areas in San Antonio are eligible for USDA loans, which may offer better mortgage rates and lower average closing costs.

  • Schertz: Located 10 minutes from Randolph Air Force Base, Schertz is a great neighborhood for military families. Some companies offer specific loans for military officials, or these homeowners may consider a VA loan.
  • Hill Country Village: This area’s small-town vibe, great restaurants and entertainment make Hill Country Village an excellent option for young families. And with prices between $200,000 and $300,000, 30-year fixed loans are a popular choice for homeowners here.
  • Stone Oak: Stone Oak is a more upscale neighborhood, making it an attractive location for well-off families. It also has great schools in the district, like Johnson High School. The properties range between $300,000 and $600,000, so many residents choose either a 30-year or jumbo loan in this neighborhood.
  • McAllister Park: Affordable and off the beaten path, this area is also extremely safe, making it a great option for families. With homes under $250,000, a 30-year fixed loan is the best option.
  • Shearer Hills: For couples looking for an affordable fixer-upper, Shearer Hills has homes for less than $130,000 that have great potential. With an FHA loan, homeowners can save even more and spend these savings on the renovation.

San Antonio mortgage loan FAQ

What credit score do you need to get a mortgage in San Antonio?
Most companies have a minimum requirement of 620 for a mortgage in San Antonio. If you're seeking bad credit mortgage loans in San Antonio, FHA loans might be a better option.
Can you put an offer in for a house without a mortgage in San Antonio?
Yes, this is what’s called a contingent offer. But if a house receives other offers, it is highly unlikely that an offer without a mortgage is accepted ahead of ones with a secured mortgage and lender.
What is the average mortgage payment in San Antonio?
Average monthly mortgage rates in San Antonio are about $1,100, according to our mortgage calculator’s averages.
How quickly can you get a mortgage offer in San Antonio?
Pre-approvals can take as little as an hour if you have all the necessary paperwork in hand. A pre-approval is a mortgage offer that you take to potential sellers to show that you are approved to buy a house.

Not sure how to choose?

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    San Antonio mortgage lender company information

    Cornerstone Home Lending

    Cornerstone Home Lending is a nationwide lending company with 200 locations in 21 different states. With in-house processing, underwriting and funding, Cornerstone Home Lending can streamline transactions and on-time closings. Cornerstone also has access to hundreds of loan products nationwide at competitive rates, giving customers the most value for their loan. Its team averages more than 10 years of experience in the industry.

    • Address: 4372 N. Loop 1604 W., Ste. 300, San Antonio, TX 78249
    • Phone: (210) 340-4994
    • Hours: M - F: 8am - 5pm
    • Website:
    Pilgrim Mortgage

    Pilgrim Mortgage is a mortgage banker that helps San Antonio residents find their best loan options. Pilgrim’s staff is trained on the most up-to-date compliance regulations and strives to provide transparent figures, up-front pricing and accurate, competitive closing costs.

    • Address: 1270 N. Loop 1604 E., Ste. 1101, San Antonio, TX 78232
    • Phone: (210) 499-4200
    • Hours: M - F: 8:30am - 5:30pm
    • Website:
    Gold Financial Services San Antonio

    With processing, underwriting and closing all under one roof, Gold Financial Services is a one-stop shop for all mortgage needs. And with 40 years of combined experience, Gold Financial’s team is knowledgeable in many areas of mortgages and can find customers the best rates and solutions with ease. Using the most advanced technology available, the company finds savings for customers through flexible mortgage options and unique programs.

    • Address: 2822 N. Loop 1604 W., Ste. 101, San Antonio, TX 78248
    • Phone: (210) 366-1070
    • Hours: M - F: 8:30am - 5pm
    • Website:
    Clarity Mortgage

    Since inception, Clarity Mortgage has backed $100 million in closings, meaning its team is experienced in a wide variety of situations and loans. In addition to conventional, FHA and USDA loans, Clarity Mortgage offers niche mortgage services to help customers fit their exact needs. Clarity Mortgage can qualify customers with credit scores of higher than 550 in as little as five minutes.

    • Address: 2929 Mossrock Drive, Ste. 118, San Antonio, TX 78230
    • Phone: (210) 362-1244
    • Hours: M - F: 8:30am - 5:30pm
    • Website:
    Academy Mortgage

    Academy Mortgage offers one of the largest portfolios in the industry, which allows its team to originate loans even in difficult situations. The company offers several loan options, such as VA and FHA government-backed loans. With its 180-day extended rate lock, customers can take advantage of low rates longer than the traditional 90-day lock offered by other mortgage lenders.

    • Address: 211 N. Loop 1604 E., Ste. 260, San Antonio, TX 78232
    • Phone: (210) 399-0400
    • Hours: M - F: 8:30am - 5:30pm
    • Website:
    Aligned Mortgage

    Aligned Mortgage specializes in providing affordable and effective VA loans and other mortgage options for military families and veterans in San Antonio. Its expertise helps provide a smooth loan process, and the company typically closes on a home within a month — much shorter than traditional VA loans. Customers can sign up for an educational seminar or make an appointment to meet in person to learn about the business's options.

    • Address: 1027 Austin Highway, Ste. 101, San Antonio, TX 78209
    • Phone: (210) 874-1630
    • Hours: M - F: 8am - 5pm
    • Website:
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.