Of the 19 mortgage lenders in San Antonio, TX that publish their loan programs, 16 (84%) offer conventional loans, 14 (74%) offer FHA loans and 14 (74%) offer VA loans.

Conventional loans16 of 19 (84%)

FHA loans14 of 19 (74%)

VA loans14 of 19 (74%)

First-time buyer programs12 of 19 (63%)

USDA loans9 of 19 (47%)

Jumbo loans6 of 19 (32%)

Down payment assistance6 of 19 (32%)

Bank statement loans4 of 19 (21%)

Reverse mortgages4 of 19 (21%)

HELOCs and home equity loans4 of 19 (21%)

Non-QM loans3 of 19 (16%)

Renovation and 203(k) loans3 of 19 (16%)

10
advertise 3.5% down or less, including 5 with a 0% down option (typically VA or USDA)
550
lowest advertised minimum credit score; 3 lenders accept 580 or lower
9 / 3
licensed in one state only / licensed nationwide (of 14 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 19 of 38 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Other Mortgage Professionals in San Antonio

102

Mortgage Brokers

Available in San Antonio

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Banks

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Credit Unions

Available in San Antonio

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Mortgage Lenders in other Texas cities

Houston (130)
Austin (85)
Dallas (93)
El Paso (14)
Fort Worth (22)
Plano (40)
Arlington (12)
Corpus Christi (6)
League City (4)
Richardson (5)
Addison (9)
Frisco (4)

All 604 mortgage lenders in Texas →

Why Choose Local Mortgage Lenders in San Antonio?

Local Market Expertise

San Antonio mortgage lenders have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Texas. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage lenders means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage lenders often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the San Antonio market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage lender in San Antonio?

Shortlist at least three mortgage lenders in San Antonio, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Texas, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage lender?

Ask about their experience in the San Antonio market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are San Antonio mortgage lenders better than online lenders?

Local mortgage lenders offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

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