Highest Rated · San Antonio
Top-Rated Mortgage Brokers in San Antonio, TX
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in San Antonio, TX by verified customer ratings and review volume. The highest-rated is Cornerstone Home Lending with a 4.8-star rating from 994 verified reviews. Also in the top tier: USA Mortgage and Megan Cloud - The Mortgage Unicorn. The average rating across all listed mortgage brokers in San Antonio is 4.9 stars from 212 reviews per business on average.
Mortgage brokers in San Antonio: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
4.9★
Avg rating
212
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Cornerstone Home Lending
3239 N Loop 1604 W Suite 300, San Antonio, TX 78257, USA
USA Mortgage
211 N Loop 1604 E #250, San Antonio, TX 78232, USA
Megan Cloud - The Mortgage Unicorn
7010 W Loop 1604 N Suite 107, San Antonio, TX 78254, USA
Mortgage Brokers Rankings in San Antonio, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Cornerstone Home Lending3239 N Loop 1604 W Suite 300, San Antonio, TX 78257, USA | 4.8★ | 994 |
| #2 | USA Mortgage211 N Loop 1604 E #250, San Antonio, TX 78232, USA | 4.9★ | 551 |
| #3 | Megan Cloud - The Mortgage Unicorn7010 W Loop 1604 N Suite 107, San Antonio, TX 78254, USA | 5.0★ | 358 |
| #4 | San Antonio Mortgage LLC8000 I-10 Suite 664, San Antonio, TX 78230, USA | 4.8★ | 51 |
| #5 | Direct Rate16500 San Pedro Ave Ste 333, San Antonio, TX 78232, USA | 5.0★ | 233 |
| #6 | Mihir Patel, Mortgage Broker NMLS #16021552008 NW Military Hwy Ste 1A, San Antonio, TX 78213, USA | 5.0★ | 107 |
| #7 | Accredited Mortgage Services11602 Elm Bluff, San Antonio, TX 78230, USA | 5.0★ | 79 |
| #8 | Carlo Colantonio211 N Loop 1604 E Ste 140, San Antonio, TX 78232, USA | 5.0★ | 251 |
| #9 | Directions Home Loan2915 W Bitters Rd Ste 102, San Antonio, TX 78248, USA | 4.8★ | 266 |
| #10 | PrimeLending, A PlainsCapital Company - San Antonio Central270 N Loop 1604 E #310, San Antonio, TX 78232, USA | 4.9★ | 245 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in San Antonio
San Antonio Mortgage LLC
8000 I-10 Suite 664, San Antonio, TX 78230, USA
Direct Rate
16500 San Pedro Ave Ste 333, San Antonio, TX 78232, USA
Mihir Patel, Mortgage Broker NMLS #1602155
2008 NW Military Hwy Ste 1A, San Antonio, TX 78213, USA
Accredited Mortgage Services
11602 Elm Bluff, San Antonio, TX 78230, USA
Carlo Colantonio
211 N Loop 1604 E Ste 140, San Antonio, TX 78232, USA
Directions Home Loan
2915 W Bitters Rd Ste 102, San Antonio, TX 78248, USA
PrimeLending, A PlainsCapital Company - San Antonio Central
270 N Loop 1604 E #310, San Antonio, TX 78232, USA
Brian J. Gutierrez - NEO Home Loans - Branch Leader | Mortgage Advisor - NMLS: 819297
3619 Paesanos Pkwy Suite 210, San Antonio, TX 78231, USA
New Horizon Mortgage, Inc.
11106 West Ave, San Antonio, TX 78213, USA
Mortgage of Texas & Financial LLC
6609 Blanco Rd #320, San Antonio, TX 78216, USA
Texas Home Loans and Mortgage Lending
908 S Main St, Boerne, TX 78006, USA
South Texas Lending
1846 N Loop 1604 W Ste 205, San Antonio, TX 78248, USA
Texas Lending Partners
4372 N Loop 1604 W Suite# 203, Shavano Park, TX 78249, USA
The Chacon Team - San Antonio Mortgage Lender
10010 San Pedro Ave Suite 301, San Antonio, TX 78216, USA
Brady Team Loans - Synergy One Lending Inc
2111 South Interstate 35 South Frontage Road Suite 1104, New Braunfels, TX 78130, USA
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Frequently Asked Questions — Mortgage Brokers in San Antonio
What does a mortgage broker do differently than going directly to a bank in San Antonio?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in San Antonio?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in TX?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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