San Antonio Citizens Mortgage Rates, Fees & Info
San Antonio, FLLEI: 549300SOF7S6E4VRT651
Tax ID: 59-0780694
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Mortgage Data
Review & Overview
San Antonio Citizens is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. San Antonio Citizens has a high proportion of conventional loans. Their top two markets are Tampa and Homosassa Springs .San Antonio Citizens has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. San Antonio Citizens is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.31% | 11/17/24 |
| 30 Year Conventional Refi | 6.56% | 11/17/24 |
| 30 Year Cash-out Refi | 6.63% | 11/17/24 |
| 30 Year USDA Purchase | 7.30% | 11/17/24 |
| 15 Year Conventional Purchase | 8.18% | 11/17/24 |
| 15 Year Conventional Refi | 5.68% | 11/17/24 |
| 15 Year Cash-out Refi | 5.68% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
San Antonio Citizens Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
29Origination Dollar Volume (All Markets)
$4,025,000Relative Rate
San Antonio Citizens's average 30 year fixed mortgage rate was
6.97%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.49%.
Relative Fees (Closing Costs)
San Antonio Citizens's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,025.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 28 | $3,900,000 | $139,286 | $4,151 | 7.71% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,438 | 9.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against SAN ANTONIO CITIZENS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 399
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Similarity Rank: 950
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 29 | $4,025,000 | $138,793 | $4,126 | 7.75% |
For 2023, San Antonio Citizens's most frequently originated type of loan was Conventional, with 29 originations.
Loan Reason
For 2023, San Antonio Citizens's most frequently cited loan purpose was Home Purchase, with 17 originations. The 2nd most popular reason was Cash Out Refi, with 5 originations.
Loan Duration/Length
For 2023, San Antonio Citizens's most frequently cited loan duration was 15 Year, with 15 originations. The 2nd most popular length was 20 Year, with 9 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 26 | $3,270,000 | $125,769 |
| $<1k | 2 | $410,000 | $205,000 |
| $2k-3k | 1 | $345,000 | $345,000 |
San Antonio Citizens's average total fees were $5,025, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 26 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 15 | $2,105,000 | $140,333 |
| Over 8% | 10 | $1,560,000 | $156,000 |
| 6-7% | 4 | $360,000 | $90,000 |
During 2023, San Antonio Citizens's average interest rate for loans was 6.97%, while their most frequently originated rate bucket for loans was 7-8%, with 15 originations.
Loan Sizing
2023 saw San Antonio Citizens place emphasis on $100,000 or less loans with 14 originations, totaling $920,000 in origination value.
Applicant Income
San Antonio Citizens lent most frequently to those with incomes in the $50k-75k range, with 9 originations. The second most popular income band? $50k or less, with 7 originations.
Applicant Debt to Income Ratio
San Antonio Citizens lent most frequently to those with DTI ratios of 20-30%, with 9 originations. The next most common DTI ratio? 30-36%, with 6 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 20 | $2,750,000 | $137,500 | $4,156 | 7.71% |
| Not provided | 9 | $1,275,000 | $141,667 | $4,059 | 7.85% |
Approval Rates
Total approvals of all applications64.00%
San Antonio Citizens has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination37.93%
San Antonio Citizens has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 29 | $4,025,000 | $138,793 |