The Bank Of San Antonio Mortgage Rates, Fees & Info
San Antonio, TXLEI: 549300SOZES6XPZ50475
Tax ID: 20-8922476
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The Bank Of San Antonio is a smaller bank specializing in Home Purchase loans. The Bank Of San Antonio has a high proportion of conventional loans. Their top markets by origination volume include: Austin, San Antonio, Kerrville, Fredericksburg, and Corpus Christi among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)The Bank Of San Antonio has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
355Origination Dollar Volume (All Markets)
$824,065,000Top 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 |
|---|---|---|---|---|---|
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 31 | $649,325,000 | $20,945,968 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 188 | $105,590,000 | $561,649 | $0 | 0.00% |
| Kerrville, TX (FHA|USDA|VA) | 74 | $25,030,000 | $338,243 | $0 | 0.00% |
| Outside of Metro Areas | 12 | $15,280,000 | $1,273,333 | $0 | 0.00% |
| Fredericksburg, TX (FHA|USDA|VA) | 14 | $7,210,000 | $515,000 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $6,590,000 | $1,098,333 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $3,270,000 | $1,635,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $3,110,000 | $518,333 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 6 | $2,110,000 | $351,667 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $1,295,000 | $1,295,000 | $0 | 0.00% |
| Durango, CO (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $0 | 0.00% |
| Pearsall, TX (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 0.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 0.00% |
| Uvalde, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 342 | $817,890,000 | $2,391,491 | $0 | 0.00% |
| VA | 13 | $6,175,000 | $475,000 | $0 | 0.00% |
For 2021, The Bank Of San Antonio's most frequently originated type of loan was Conventional, with 342 originations. Their 2nd most popular type was VA, with 13 originations.
Loan Reason
For 2021, The Bank Of San Antonio's most frequently cited loan purpose was Home Purchase, with 233 originations. The 2nd most popular reason was Refi, with 62 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 355 | $824,065,000 | $2,321,310 | $0 | 0.00% |
For 2021, The Bank Of San Antonio's most frequently cited loan duration was Other, with 355 originations.
Loan Sizing
2021 saw The Bank Of San Antonio place emphasis on $200k-400k loans with 119 originations, totaling $35,435,000 in origination value.
Applicant Income
The Bank Of San Antonio lent most frequently to those with incomes in the $250k+ range, with 121 originations. The second most popular income band? $150k-250k, with 92 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 355 | $824,065,000 | $2,321,310 | $0 | 0.00% |
The Bank Of San Antonio lent most frequently to those with DTI ratios of Exempt%, with 355 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.25%
The Bank Of San Antonio has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination78.31%
The Bank Of San Antonio has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 355 | $824,065,000 | $2,321,310 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 24 | 16.9% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Closing on a mortgage | 13 | 9.2% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Improper use of your report | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Incorrect information on your report | 4 | 2.8% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Struggling to pay mortgage | 6 | 4.2% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Trouble during payment process | 37 | 26.1% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Struggling to pay mortgage | 2 | 1.4% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Trouble during payment process | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 15 | 10.6% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 6 | 4.2% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 1.4% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Trouble during payment process | 11 | 7.7% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 4.9% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Closing on a mortgage | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Struggling to pay mortgage | 1 | 0.7% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Trouble during payment process | 6 | 4.2% |
| TD BANK US HOLDING COMPANY | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 1.4% |
| TD BANK US HOLDING COMPANY | VA mortgage | Trouble during payment process | 1 | 0.7% |