CityVettedCityvetted
Independent. Never pay-to-play.
Mortgage Brokers · San Antonio, TX/Updated June 13, 2026

The 10 Best Mortgage Brokers in San Antonio, TX

Navigating the mortgage landscape in San Antonio can be tricky. Avoid common pitfalls by choosing wisely from our top picks.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceMegan Cloud - The Mortgage Unicorn
96Score
Latest update · June 13, 2026: Initial ranking published. 10 San Antonio-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.

Choosing the right mortgage broker in San Antonio is essential to securing the best loan terms. With a mix of well-reviewed leaders and smaller shops, the options can be overwhelming. Our list highlights the top brokers who excel in customer satisfaction and reliability.

We evaluated ten local providers based on their Vetted Scores, customer reviews, and overall ratings. This ensures that our recommendations reflect genuine performance, not just marketing claims.

10mortgage brokers evaluated in San Antonio
4.89average rating across the field
2.5Kcustomer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does mortgage brokers cost in San Antonio? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

Megan Cloud - The Mortgage Unicorn

★★★★★5.0(428 reviews)

With a perfect rating of 5 stars from 428 reviews, Megan Cloud - The Mortgage Unicorn is widely praised for her personalized service and expert guidance through the mortgage process.

Read full review
Best Value
95Score

USA Mortgage

★★★★★4.9(550 reviews)

USA Mortgage has an impressive rating of 4.9 stars from 550 reviews, with many clients highlighting their competitive rates and transparent processes.

Read full review
Most Reviewed
94Score

South Texas Lending

★★★★★5.0(139 reviews)

South Texas Lending holds a 5-star rating from 139 reviews, praised for its approachable staff and comprehensive mortgage options.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
428First-time homebuyers seeking personalized assistance
2
USA Mortgage
USA Mortgage
Best Value
95Score
4.9★★★★★
550Homebuyers focused on securing the best rates
3
South Texas Lending
South Texas Lending
Most Reviewed
94Score
5.0★★★★★
139Clients looking for a friendly and professional experience
4
91Score
4.8★★★★★
923Borrowers seeking a wide range of loan products
5
88Score
5.0★★★★★
80Clients with unique financial needs
6
88Score
5.0★★★★★
78Homebuyers needing detailed guidance
7
85Score
4.7★★★★★
187Clients who value clear communication
8
84Score
4.8★★★★★
64Homebuyers seeking reliability
9
84Score
4.8★★★★★
57Clients wanting a streamlined process
10
82Score
4.9★★★★★
29Clients needing detailed mortgage explanations
Methodology

How we evaluated all 10 mortgage brokers.

Our evaluation process for mortgage brokers in San Antonio involved analyzing customer feedback and ratings from verified sources. We focused on businesses with a solid number of reviews to ensure a reliable assessment of service quality.

No company paid for placement on our list, and we refresh our rankings monthly to keep the information current. This approach guarantees that you receive trustworthy recommendations for your mortgage needs.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

Megan Cloud - The Mortgage Unicorn

★★★★★5.0(428 reviews)
96Score

With a perfect rating of 5 stars from 428 reviews, Megan Cloud - The Mortgage Unicorn is widely praised for her personalized service and expert guidance through the mortgage process. Clients appreciate her responsiveness and ability to simplify complex financial details. However, her availability may be limited during peak times due to high demand.

Pros

  • Personalized service
  • Expert guidance
  • Highly responsive

Cons

  • Limited availability during peak times
Best forFirst-time homebuyers seeking personalized assistance
Service areaSan Antonio, TX
Typical pricing$300 to $600 for origination fees
2
Best Value

USA Mortgage

★★★★★4.9(550 reviews)
95Score

USA Mortgage has an impressive rating of 4.9 stars from 550 reviews, with many clients highlighting their competitive rates and transparent processes. This broker excels at providing value for those looking for favorable loan terms. However, some reviewers noted occasional communication delays, particularly during busy periods. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is homebuyers focused on securing the best rates. It serves San Antonio, TX, with $250 to $500 for origination fees pricing, and the honest trade-offs are occasional communication delays.

Pros

  • Competitive rates
  • Transparent processes
  • Strong customer service

Cons

  • Occasional communication delays
Best forHomebuyers focused on securing the best rates
Service areaSan Antonio, TX
Typical pricing$250 to $500 for origination fees
3
Most Reviewed

South Texas Lending

★★★★★5.0(139 reviews)
94Score

South Texas Lending holds a 5-star rating from 139 reviews, praised for its approachable staff and comprehensive mortgage options. Clients often mention the ease of the application process and the professionalism of the team. However, the relatively smaller review count compared to other top contenders may make potential clients cautious.

Pros

  • Approachable staff
  • Comprehensive mortgage options
  • Smooth application process

Cons

  • Smaller review base may seem unproven
Best forClients looking for a friendly and professional experience
Service areaSan Antonio, TX
Typical pricing$300 to $700 for origination fees
4

GFS Home Loans Corporate

★★★★★4.8(923 reviews)
91Score

GFS Home Loans Corporate has a solid rating of 4.8 stars from 923 reviews, with many clients appreciating their extensive knowledge and diverse loan products. They are known for effective communication and reliable service. However, some customers reported longer processing times than expected. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is borrowers seeking a wide range of loan products. It serves San Antonio, TX, with $300 to $600 for origination fees pricing, and the honest trade-offs are longer processing times reported.

Pros

  • Extensive product knowledge
  • Diverse loan options
  • Effective communication

Cons

  • Longer processing times reported
Best forBorrowers seeking a wide range of loan products
Service areaSan Antonio, TX
Typical pricing$300 to $600 for origination fees
5

Accredited Mortgage Services

★★★★★5.0(80 reviews)
88Score

Accredited Mortgage Services earns a 5-star rating from 80 reviews, with clients commending their friendly service and quick responses. They are particularly good at helping clients with unique financial situations. However, the limited number of reviews may raise questions about their overall experience. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is clients with unique financial needs. It serves San Antonio, TX, with $250 to $500 for origination fees pricing, and the honest trade-offs are limited review base.

Pros

  • Friendly service
  • Quick responses
  • Expertise in unique financial situations

Cons

  • Limited review base
Best forClients with unique financial needs
Service areaSan Antonio, TX
Typical pricing$250 to $500 for origination fees
6

New Horizons Lending

★★★★★5.0(78 reviews)
88Score

New Horizons Lending holds a 5-star rating from 78 reviews, with clients praising their attentive service and thorough explanations of mortgage options. They are best for those who want a hands-on approach. However, the small review count may leave some potential clients wanting more feedback. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is homebuyers needing detailed guidance. It serves San Antonio, TX, with $300 to $600 for origination fees pricing, and the honest trade-offs are small review count.

Pros

  • Attentive service
  • Thorough explanations
  • Hands-on approach

Cons

  • Small review count
Best forHomebuyers needing detailed guidance
Service areaSan Antonio, TX
Typical pricing$300 to $600 for origination fees
7

Legacy Mutual Mortgage

★★★★★4.7(187 reviews)
85Score

Legacy Mutual Mortgage has a 4.7-star rating from 187 reviews, known for their knowledgeable staff and efficient service. Clients appreciate the clear communication throughout the process. However, some reviews mention occasional responsiveness issues that could impact the experience. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is clients who value clear communication. It serves San Antonio, TX, with $300 to $600 for origination fees pricing, and the honest trade-offs are occasional responsiveness issues.

Pros

  • Knowledgeable staff
  • Efficient service
  • Clear communication

Cons

  • Occasional responsiveness issues
Best forClients who value clear communication
Service areaSan Antonio, TX
Typical pricing$300 to $600 for origination fees
8

New Horizon Mortgage, Inc.

★★★★★4.8(64 reviews)
84Score

New Horizon Mortgage, Inc. has a solid rating of 4.8 stars from 64 reviews, with clients highlighting their professionalism and competitive rates. They are a good choice for buyers looking for a reliable broker. However, the limited number of reviews may make some hesitant to choose them. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is homebuyers seeking reliability. It serves San Antonio, TX, with $250 to $500 for origination fees pricing, and the honest trade-offs are limited review base.

Pros

  • Professional service
  • Competitive rates
  • Reliable

Cons

  • Limited review base
Best forHomebuyers seeking reliability
Service areaSan Antonio, TX
Typical pricing$250 to $500 for origination fees
9

San Antonio Mortgage LLC

★★★★★4.8(57 reviews)
84Score

San Antonio Mortgage LLC has an impressive 4.8-star rating from 57 reviews, appreciated for their quick processing times and attentive staff. They excel at making the mortgage process smooth for clients. However, some clients reported a lack of follow-up communication, which could be a concern. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is clients wanting a streamlined process. It serves San Antonio, TX, with $300 to $600 for origination fees pricing, and the honest trade-offs are lack of follow-up communication.

Pros

  • Quick processing times
  • Attentive staff
  • Smooth experience

Cons

  • Lack of follow-up communication
Best forClients wanting a streamlined process
Service areaSan Antonio, TX
Typical pricing$300 to $600 for origination fees
10

Mortgage of Texas & Financial LLC

★★★★★4.9(29 reviews)
82Score

Mortgage of Texas & Financial LLC has a 4.9-star rating from 29 reviews, with clients noting their professionalism and thoroughness. They are particularly effective for clients needing detailed explanations of their options. However, the small review base raises questions about consistency in service. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is clients needing detailed mortgage explanations. It serves San Antonio, TX, with $300 to $600 for origination fees pricing, and the honest trade-offs are small review base.

Pros

  • Professionalism
  • Thoroughness
  • Detail-oriented

Cons

  • Small review base
Best forClients needing detailed mortgage explanations
Service areaSan Antonio, TX
Typical pricing$300 to $600 for origination fees
Before you book

How to choose a mortgage broker in San Antonio

Finding the right mortgage broker can greatly affect your home buying experience. Here are key questions to ask potential brokers to ensure you make an informed decision.

What are your fees and rates?

Understanding the costs upfront can help you budget effectively and avoid surprises later.

How long have you been in the business?

Experience can be a significant factor in navigating complex loan scenarios and securing favorable terms.

Can you provide references or testimonials?

Hearing from past clients can give you insight into their service quality and reliability.

What it costs

What mortgage brokers cost in San Antonio

The cost of mortgage broker services can vary based on the provider and the complexity of your loan. Here’s a breakdown of typical pricing tiers.

Standard ServicesExpect to pay around $1,000 to $3,000 for standard mortgage brokerage services.
Premium ServicesFor more comprehensive services, fees can range from $3,000 to $5,000.
Consultation FeesSome brokers may charge consultation fees of $100 to $300 for initial meetings.
Commission on Loan AmountMany brokers earn a commission based on the loan amount, typically around 1% to 2%.

Frequently asked questions

How much does a mortgage cost in San Antonio?

Mortgage costs in San Antonio can vary widely based on factors like credit score and loan type, but average monthly payments typically range from $1,200 to $2,500 depending on the home price and down payment.

What is the average interest rate for mortgages in San Antonio?

As of now, the average interest rate for a 30-year fixed mortgage in San Antonio is around 3.5% to 4%, but this can fluctuate based on market conditions and individual credit profiles.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most San Antonio homebuyers: <strong>Megan Cloud - The Mortgage Unicorn</strong>

For top-notch service and a stellar reputation, Megan Cloud - The Mortgage Unicorn is the clear choice. If you prefer a strong second option, USA Mortgage is ideal for those who want a larger firm with extensive resources. For clients looking for personalized service from a smaller lender, South Texas Lending offers a great alternative with a perfect rating, though with fewer reviews.