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, Cash Out Refi, and 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, Homosassa Springs, Naples, Tallahassee, and Lakeland among others. We have data for 6 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% 10/29/24
    30 Year Conventional Refi 6.56% 10/29/24
    30 Year Cash-out Refi 6.63% 10/29/24
    30 Year USDA Purchase 7.30% 10/29/24
    15 Year Conventional Purchase 8.18% 10/29/24
    15 Year Conventional Refi 5.68% 10/29/24
    15 Year Cash-out Refi 5.68% 10/29/24
    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

    193

    Origination Dollar Volume (All Markets)

    $33,025,000

    Awards

    SAN ANTONIO CITIZENS 30 Year Conventional Loans bronze
    Show all (1) awards

    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) 184 $31,100,000 $169,022 $3,784 3.45%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $745,000 $248,333 $4,045 2.71%
    Outside of Metro Areas 3 $425,000 $141,667 $3,265 5.29%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $325,000 $325,000 $5,071 4.13%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,768 2.63%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,843 2.50%
    San Antonio Citizens's top markets include Tampa, Homosassa Springs, Naples, Tallahassee, and Lakeland 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.

    METROPLEX MORTGAGE SERVICES, INC.
    Similarity Rank: 372
    SAN ANTONIO CITIZENS
    Similarity Rank: 1170
    RAILROAD & INDUSTRIAL
    Similarity Rank: 2045
    Credence Funding Corporation
    Similarity Rank: 2400
    Kwik Mortgage Corporation
    Similarity Rank: 2492
    AMERICAN HERITAGE CAPITAL, L.P.
    Similarity Rank: 2592
    PARK SQUARE HOME MORTGAGE, LLC
    Similarity Rank: 3003
    Capital Bank
    Similarity Rank: 3012
    HOME SOLUTION LENDERS INC.
    Similarity Rank: 3043
    Brannen Bank
    Similarity Rank: 3303

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 188 $32,230,000 $171,436 $3,743 3.47%
    USDA 5 $795,000 $159,000 $5,298 3.10%

    For 2020, San Antonio Citizens's most frequently originated type of loan was Conventional, with 188 originations. Their 2nd most popular type was USDA, with 5 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 68 $12,390,000 $182,206 $4,392 4.10%
    Cash Out Refi 54 $8,720,000 $161,481 $3,539 3.22%
    Refi 53 $10,075,000 $190,094 $3,465 2.92%
    Other 11 $1,295,000 $117,727 $3,334 3.65%
    Home Improvement 7 $545,000 $77,857 $3,459 3.05%

    For 2020, San Antonio Citizens's most frequently cited loan purpose was Home Purchase, with 68 originations. The 2nd most popular reason was Cash Out Refi, with 54 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 76 $11,830,000 $155,658 $3,733 3.38%
    30 Year 74 $14,350,000 $193,919 $3,883 3.27%
    20 Year 33 $5,875,000 $178,030 $3,844 3.81%
    10 Year 6 $640,000 $106,667 $3,241 3.10%
    Other 4 $330,000 $82,500 $2,120 6.34%

    For 2020, San Antonio Citizens's most frequently cited loan duration was 15 Year, with 76 originations. The 2nd most popular length was 30 Year, with 74 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 91 $14,935,000 $164,121
    $1k-2k 80 $14,450,000 $180,625
    $2k-3k 5 $1,675,000 $335,000
    $3k-4k 1 $385,000 $385,000

    San Antonio Citizens's average total fees were $3,883, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 91 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 61 $12,455,000 $204,180
    2.5-3% 52 $9,210,000 $177,115
    <2.5% 43 $7,375,000 $171,512
    5-6% 13 $1,145,000 $88,077
    6-7% 12 $870,000 $72,500
    4-5% 11 $1,785,000 $162,273
    7-8% 1 $185,000 $185,000

    During 2020, San Antonio Citizens's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 3-4%, with 61 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 78 $11,640,000 $149,231 $3,641 3.27%
    $100,000 or less 60 $4,220,000 $70,333 $3,195 4.05%
    $200k-400k 45 $12,475,000 $277,222 $4,219 3.07%
    $400k-600k 10 $4,690,000 $469,000 $5,955 3.21%

    2020 saw San Antonio Citizens place emphasis on $100k-200k loans with 78 originations, totaling $11,640,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 60 $8,280,000 $138,000 $3,763 3.50%
    $50k or less 45 $4,255,000 $94,556 $3,273 3.71%
    $75k-100k 31 $5,555,000 $179,194 $3,638 3.26%
    $100k-150k 26 $6,320,000 $243,077 $3,991 3.27%
    $150k-250k 26 $7,680,000 $295,385 $4,791 3.38%
    $250k+ 4 $810,000 $202,500 $4,061 3.59%

    San Antonio Citizens lent most frequently to those with incomes in the $50k-75k range, with 60 originations. The second most popular income band? $50k or less, with 45 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 52 $9,920,000 $190,769 $3,874 3.39%
    30-36% 37 $5,805,000 $156,892 $3,647 3.61%
    <20% 17 $2,015,000 $118,529 $3,345 3.09%
    44% 12 $2,020,000 $168,333 $3,696 2.98%
    37% 10 $1,420,000 $142,000 $3,161 2.76%
    42% 9 $1,515,000 $168,333 $4,089 3.63%
    40% 9 $2,075,000 $230,556 $4,542 3.63%
    39% 7 $1,725,000 $246,429 $4,451 3.75%
    36% 7 $1,275,000 $182,143 $4,348 3.68%
    38% 7 $795,000 $113,571 $3,240 4.29%
    43% 4 $790,000 $197,500 $4,470 4.31%
    48% 4 $930,000 $232,500 $3,497 2.91%
    50-60% 4 $580,000 $145,000 $3,883 4.66%
    45% 3 $425,000 $141,667 $3,372 2.96%
    49% 3 $535,000 $178,333 $3,905 2.67%
    46% 2 $300,000 $150,000 $2,842 3.50%
    41% 2 $440,000 $220,000 $5,012 4.75%
    >60% 2 $200,000 $100,000 $3,152 4.25%
    47% 1 $135,000 $135,000 $4,330 2.75%

    San Antonio Citizens lent most frequently to those with DTI ratios of 20-30%, with 52 originations. The next most common DTI ratio? 30-36%, with 37 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 162 $27,470,000 $169,568 $3,745 3.36%
    Not provided 26 $4,650,000 $178,846 $4,237 4.10%
    Black 3 $475,000 $158,333 $3,151 3.75%
    Asian 1 $305,000 $305,000 $3,579 2.50%
    Not applicable 1 $125,000 $125,000 $0 3.40%

    Approval Rates

    Total approvals of all applications
    82.43%

    San Antonio Citizens has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    71.50%

    San Antonio Citizens has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 193 $33,025,000 $171,114

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 35 $2,985,000 $85,286
    Single Family (1-4 Units):Site-Built 158 $30,040,000 $190,127

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 20 $1,610,000 $80,500 $3,291 3.23%
    40-60% 39 $5,595,000 $143,462 $3,417 3.08%
    60-80% 73 $12,695,000 $173,904 $3,672 3.52%
    80-100% 59 $12,405,000 $210,254 $4,325 3.68%