Refinancing lenders in Bexar County
3,705 refinancing mortgages were made in Bexar County, Texas, in 2025, by 366 lenders. The median rate their borrowers got was 6.075% on a median loan of $275,000. Of 5,932 decisions, 1,711 were denials — 28.8%, most often for credit application incomplete.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 570 | 5.625% | $325,000 | 13.7% |
| Rocket Mortgage, LLC | 308 | 5.933% | $275,000 | 31.8% |
| FREEDOM MORTGAGE CORPORATION | 265 | 6.000% | $335,000 | 8.5% |
| PENNYMAC LOAN SERVICES, LLC | 178 | 5.625% | $325,000 | 12.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 95 | 5.750% | $345,000 | 4.9% |
| FIRSTMARK | 95 | 7.290% | $95,000 | 37.7% |
| NEWREZ LLC | 87 | 5.750% | $375,000 | 32.8% |
| Frost Bank | 77 | 5.500% | $165,000 | 42.4% |
| PLANET HOME LENDING, LLC | 71 | 5.750% | $335,000 | 15.1% |
| Kiavi Funding, Inc. | 66 | 8.313% | $175,000 | 15.0% |
| Emporium TPO LLC | 65 | 7.375% | $165,000 | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 63 | 5.875% | $135,000 | 29.1% |
| ROYAL UNITED MORTGAGE LLC | 61 | 7.000% | $125,000 | 44.4% |
| CONSTRUCTIVE LOANS, LLC | 61 | 7.250% | $175,000 | 1.6% |
| Mortgage Research Center, LLC | 53 | 5.875% | $295,000 | 74.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 47 | 6.375% | $285,000 | 14.3% |
| CMG MORTGAGE, INC. | 45 | 6.750% | $215,000 | 16.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 45 | 5.750% | $325,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 43 | 5.875% | $255,000 | 12.7% |
| Bank of America, National Association | 42 | 5.990% | $145,000 | 44.0% |
| LAKEVIEW LOAN SERVICING, LLC | 39 | 5.875% | $365,000 | 64.3% |
| NATIONSTAR MORTGAGE LLC | 39 | 5.875% | $255,000 | 18.9% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 33 | 6.000% | $175,000 | 39.7% |
| DIRECTIONS EQUITY, LLC | 32 | 6.125% | $305,000 | 5.3% |
| GARDNER FINANCIAL SERVICES, LTD. | 31 | 5.875% | $355,000 | 0.0% |
| CLEARPATH LENDING | 28 | 5.625% | $310,000 | 6.7% |
| GUARANTEED RATE, INC. | 27 | 5.750% | $305,000 | 3.3% |
| PNC Bank, National Association | 27 | 7.740% | $160,000 | 41.3% |
| PENTAGON FEDERAL CREDIT UNION | 25 | 7.375% | $205,000 | 46.9% |
| CHAMPIONS FUNDING, LLC | 24 | 7.500% | $205,000 | 46.7% |
| Loandepot.Com, LLC | 23 | 5.990% | $325,000 | 50.9% |
| Broker Solutions, Inc. | 22 | 6.500% | $240,000 | 26.7% |
| GUILD MORTGAGE COMPANY | 22 | 6.125% | $245,000 | 3.9% |
| Broadway National Bank | 21 | Not published | $125,000 | 37.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 21 | 8.500% | $185,000 | 4.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 20 | 6.188% | $120,000 | 33.3% |
| Navy Federal Credit Union | 19 | 5.750% | $245,000 | 52.4% |
| OCMBC, INC. | 19 | 7.250% | $165,000 | 22.6% |
| SWBC MORTGAGE CORPORATION | 19 | 5.875% | $305,000 | 13.0% |
| Hometown Equity Mortgage, LLC | 17 | 7.375% | $205,000 | 65.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 17 | 5.750% | $305,000 | 17.2% |
| NFM, INC. | 17 | 7.000% | $195,000 | 0.0% |
| Jefferson Bank | 16 | 7.125% | $200,000 | 9.1% |
| BPL MORTGAGE TRUST, LLC | 15 | 7.250% | $185,000 | 14.3% |
| PHH Mortgage Corporation | 14 | 5.625% | $285,000 | 30.0% |
| PILGRIM MORTGAGE LLC | 14 | 5.870% | $330,000 | 12.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 14 | 5.938% | $265,000 | 6.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 5.750% | $255,000 | 60.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.125% | $665,000 | 28.6% |
| AMERICAN HERITAGE LENDING, LLC | 12 | 6.937% | $260,000 | 6.3% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 7.750% | $220,000 | 51.8% |
| UNION HOME MORTGAGE CORP. | 12 | 6.000% | $280,000 | 7.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 12 | 7.605% | $200,000 | 0.0% |
| USAA Federal Savings Bank | 11 | 5.875% | $265,000 | 47.6% |
| Zions Bancorporation, N.A. | 11 | 6.750% | $305,000 | 27.3% |
| V.I.P. MORTGAGE, INC. | 11 | 6.624% | $295,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 5.625% | $320,000 | 16.7% |
| First United Bank and Trust Company | 10 | 6.688% | $610,000 | 9.1% |
| FINANCE OF AMERICA REVERSE LLC | 10 | 6.250% | $240,000 | 28.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 6.125% | $305,000 | 0.0% |
| Truist Bank | 9 | Under 10 loans | Under 10 loans | 62.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 52.6% |
| SUMMIT FUNDING, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LONGBRIDGE FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 15.4% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 57.9% |
| SOUTH RIVER MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| H E B Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LOANPEOPLE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RPE Home, Inc | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| SENTE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 41.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| INTELLILOAN, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NETWORK FUNDING, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 56.3% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Security State Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 87.9% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 90.9% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 60.0% |
| AML FUNDING LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Comerica Bank | 4 | Under 10 loans | Under 10 loans | 66.7% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SYNERGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Sonora | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 44.4% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 14.3% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| RIGHT START MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 3 | Under 10 loans | Under 10 loans | 20.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ARBOR REALTY TRUST, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900L5MERNYAI3AH26 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stellar Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 86.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 2 | Under 10 loans | Under 10 loans | 40.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 28.6% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 57.1% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 25.0% |
| RALLY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lone Star National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENCORE BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Bastrop | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SMART CHOICE MORTGAGE, A Texas Limited Liability Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED FUNDING, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Orchard Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Generations Community Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 166 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.