San Antonio Citizens Mortgage Rates, Fees & Info

San Antonio, FL

LEI: 549300SOF7S6E4VRT651

Tax ID: 59-0780694

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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. They have a low ratio of USDA loans. Their top markets by origination volume include: Tampa, Orlando, and Homosassa Springs among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

    San Antonio Citizens has an 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 a low 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 about average 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.31% 4/28/24
    30 Year Conventional Refi 6.56% 4/28/24
    30 Year Cash-out Refi 6.63% 4/28/24
    30 Year USDA Purchase 7.30% 4/28/24
    15 Year Conventional Purchase 8.18% 4/28/24
    15 Year Conventional Refi 5.68% 4/28/24
    15 Year Cash-out Refi 5.68% 4/28/24
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from San Antonio Citizens. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    125

    Origination Dollar Volume (All Markets)

    $18,305,000

    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) 122 $17,730,000 $145,328 $3,812 5.04%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $360,000 $180,000 $4,111 4.94%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,616 5.13%
    San Antonio Citizens's top markets include Tampa, Orlando, and Homosassa Springs among others.

    Their top states include:
  • Florida (FHA|USDA|VA)

    • 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.

    SAN ANTONIO CITIZENS
    Similarity Rank: 531
    Suncoast Credit Union
    Similarity Rank: 638
    TrustCo Bank
    Similarity Rank: 825
    NEAL COMMUNITIES FUNDING, LLC
    Similarity Rank: 924
    USF Federal Credit Union
    Similarity Rank: 1023
    Third Federal Savings and Loan Association of Cleveland
    Similarity Rank: 1228
    RAILROAD & INDUSTRIAL
    Similarity Rank: 1330
    HOME SOLUTION LENDERS INC.
    Similarity Rank: 1944
    Grow Financial Federal Credit Union
    Similarity Rank: 2064
    Central Bank
    Similarity Rank: 2112

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 121 $17,875,000 $147,727 $3,803 5.04%
    USDA 4 $430,000 $107,500 $4,392 5.13%

    For 2018, San Antonio Citizens's most frequently originated type of loan was Conventional, with 121 originations. Their 2nd most popular type was USDA, with 4 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 78 $10,420,000 $133,590 $4,135 5.10%
    Cash Out Refi 26 $5,040,000 $193,846 $3,736 4.78%
    Other 8 $620,000 $77,500 $2,885 5.50%
    Refi 8 $910,000 $113,750 $3,162 4.27%
    Home Improvement 4 $290,000 $72,500 $1,493 6.22%
    NA 1 $1,025,000 $1,025,000 $0 0.00%

    For 2018, San Antonio Citizens's most frequently cited loan purpose was Home Purchase, with 78 originations. The 2nd most popular reason was Cash Out Refi, with 26 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 61 $11,165,000 $183,033 $4,480 4.74%
    15 Year 57 $4,275,000 $75,000 $3,146 5.38%
    20 Year 4 $1,760,000 $440,000 $3,551 4.88%
    10 Year 3 $1,105,000 $368,333 $3,199 4.88%

    For 2018, San Antonio Citizens's most frequently cited loan duration was 30 Year, with 61 originations. The 2nd most popular length was 15 Year, with 57 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 96 $10,840,000 $112,917
    $<1k 7 $405,000 $57,857
    $2k-3k 6 $1,580,000 $263,333
    $3k-4k 4 $1,460,000 $365,000
    $4k-5k 1 $595,000 $595,000

    San Antonio Citizens's average total fees were $4,480, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 96 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 56 $9,030,000 $161,250
    5-6% 36 $4,390,000 $121,944
    6-7% 14 $990,000 $70,714
    3-4% 13 $2,345,000 $180,385
    7-8% 2 $60,000 $30,000
    2.5-3% 1 $205,000 $205,000

    During 2018, San Antonio Citizens's average interest rate for loans was 4.74%, while their most frequently originated rate bucket for loans was 4-5%, with 56 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 64 $4,190,000 $65,469 $3,063 5.40%
    $100k-200k 37 $4,935,000 $133,378 $3,906 4.76%
    $200k-400k 20 $5,650,000 $282,500 $5,177 4.52%
    $1MM+ 2 $2,530,000 $1,265,000 $0 5.00%
    $400k-600k 2 $1,000,000 $500,000 $10,784 3.81%

    2018 saw San Antonio Citizens place emphasis on $100,000 or less loans with 64 originations, totaling $4,190,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 40 $4,470,000 $111,750 $3,649 4.86%
    $50k or less 39 $2,985,000 $76,538 $3,223 5.37%
    $75k-100k 16 $2,330,000 $145,625 $3,871 4.90%
    $100k-150k 15 $2,945,000 $196,333 $5,007 4.86%
    $150k-250k 8 $1,690,000 $211,250 $4,571 5.44%
    $250k+ 4 $1,230,000 $307,500 $5,462 4.31%

    San Antonio Citizens lent most frequently to those with incomes in the $50k-75k range, with 40 originations. The second most popular income band? $50k or less, with 39 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 23 $2,995,000 $130,217 $3,802 4.99%
    30-36% 21 $2,365,000 $112,619 $3,790 4.84%
    44% 9 $1,135,000 $126,111 $3,855 5.03%
    41% 8 $1,060,000 $132,500 $3,747 4.98%
    38% 7 $905,000 $129,286 $3,442 5.08%
    43% 7 $945,000 $135,000 $3,762 5.70%
    36% 6 $1,120,000 $186,667 $5,099 4.75%
    39% 6 $1,000,000 $166,667 $3,913 4.81%
    <20% 6 $590,000 $98,333 $3,875 5.23%
    42% 4 $520,000 $130,000 $3,456 5.41%
    37% 4 $240,000 $60,000 $3,148 5.19%
    40% 4 $270,000 $67,500 $2,595 5.28%
    45% 4 $390,000 $97,500 $3,476 5.41%
    46% 4 $550,000 $137,500 $3,928 5.00%
    49% 4 $540,000 $135,000 $4,222 4.78%
    48% 1 $365,000 $365,000 $6,113 3.25%
    >60% 1 $105,000 $105,000 $4,085 6.50%
    50-60% 1 $55,000 $55,000 $868 6.50%
    47% 1 $355,000 $355,000 $7,165 4.38%

    San Antonio Citizens lent most frequently to those with DTI ratios of 20-30%, with 23 originations. The next most common DTI ratio? 30-36%, with 21 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 99 $13,035,000 $131,667 $3,813 5.12%
    Not applicable 3 $2,655,000 $885,000 $0 4.88%
    Not provided 22 $2,560,000 $116,364 $3,882 4.75%
    Black 1 $55,000 $55,000 $2,560 3.75%

    Approval Rates

    Total approvals of all applications
    85.48%

    San Antonio Citizens has an average approval rate.

    Pick Rate

    Approvals leading to origination
    48.80%

    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 125 $18,305,000 $146,440

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $1,505,000 $1,505,000
    Single Family (1-4 Units):Manufactured 34 $2,170,000 $63,824
    Single Family (1-4 Units):Site-Built 90 $14,630,000 $162,556

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $825,000 $75,000 $3,151 4.68%
    40-60% 20 $1,810,000 $90,500 $3,351 4.83%
    60-80% 45 $8,085,000 $179,667 $4,321 5.05%
    80-100% 43 $6,135,000 $142,674 $3,953 5.09%
    Over 100% 1 $95,000 $95,000 $3,990 5.75%
    Under 20% 4 $1,210,000 $302,500 $909 6.75%