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. They have a low ratio of USDA loans. Their top markets by origination volume include: Tampa, Homosassa Springs, The Villages, Virginia Beach, and Lakeland among others. We have data for 5 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.31% | 12/16/24 |
| 30 Year Conventional Refi | 6.56% | 12/16/24 |
| 30 Year Cash-out Refi | 6.63% | 12/16/24 |
| 30 Year USDA Purchase | 7.30% | 12/16/24 |
| 15 Year Conventional Purchase | 8.18% | 12/16/24 |
| 15 Year Conventional Refi | 5.68% | 12/16/24 |
| 15 Year Cash-out Refi | 5.68% | 12/16/24 |
| 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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Originations
70Origination Dollar Volume (All Markets)
$10,120,000Awards
SAN ANTONIO CITIZENS - 2022
SAN ANTONIO CITIZENS is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 65 | $9,665,000 | $148,692 | $3,889 | 5.51% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,064 | 6.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,877 | 5.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,720 | 3.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $1,482 | 7.75% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 69 | $9,975,000 | $144,565 | $3,809 | 5.54% |
| USDA | 1 | $145,000 | $145,000 | $5,114 | 5.25% |
For 2022, San Antonio Citizens's most frequently originated type of loan was Conventional, with 69 originations. Their 2nd most popular type was USDA, with 1 originations.
Loan Reason
For 2022, San Antonio Citizens's most frequently cited loan purpose was Home Purchase, with 36 originations. The 2nd most popular reason was Cash Out Refi, with 15 originations.
Loan Duration/Length
For 2022, San Antonio Citizens's most frequently cited loan duration was 20 Year, with 23 originations. The 2nd most popular length was 15 Year, with 22 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 37 | $5,495,000 | $148,514 |
| $<1k | 30 | $3,630,000 | $121,000 |
| $2k-3k | 1 | $405,000 | $405,000 |
| $3k-4k | 1 | $285,000 | $285,000 |
San Antonio Citizens's average total fees were $4,170, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 37 originations.
Interest Rates
During 2022, San Antonio Citizens's average interest rate for loans was 4.43%, while their most frequently originated rate bucket for loans was 5-6%, with 23 originations.
Loan Sizing
2022 saw San Antonio Citizens place emphasis on $100,000 or less loans with 40 originations, totaling $2,950,000 in origination value.
Applicant Income
San Antonio Citizens lent most frequently to those with incomes in the $50k or less range, with 23 originations. The second most popular income band? $50k-75k, with 20 originations.
Applicant Debt to Income Ratio
San Antonio Citizens lent most frequently to those with DTI ratios of 20-30%, with 17 originations. The next most common DTI ratio? 30-36%, with 13 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.37%
San Antonio Citizens has a below average approval rate.
Pick Rate
Approvals leading to origination62.86%
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 | 70 | $10,120,000 | $144,571 |