Applications / Mortgage Analytics / Lenders / Florida / San Antonio Citizens Federal Credit Union
San Antonio, FL · Credit union · NCUA · $393 million assets · 35 loans in 2025
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35
loans originated, 2025
73
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
San Antonio Citizens Federal Credit Union, a Florida credit union, makes two in five of its home loans on manufactured homes, where the typical similar credit union makes none.
Manufactured homes made up 40.0% of its 35 loans in 2025. At the typical similar lender, one of 412 credit unions making between half and twice as many loans, the share was nil, which put it above almost all its peers. Home purchases made up 60.0% of its lending and refinances 25.7%.
Higher-priced loans (a rate well above the average for similar loans) made up 21.2% of its lending, against 2.9% at peers. Its manufactured-home lending could account for most of that difference, since such loans are commonly priced higher. Its typical rate, 7.00%, was close to peers' 6.75%.
Low- and moderate-income (LMI) borrowers took 41.2% of its loans, against 31.6% at peers, and LMI neighborhoods 28.6%, against 17.6%. Both shares were higher than at most peers, though 35 loans is a small base.
It made 193 loans in 2020 and 70 in 2022; since 2023 it has made between 29 and 36 a year. Its count slipped 3% in 2025 while the whole market grew 10%. Its typical rate was 3.12% in 2020 against 7.00% now, and higher rates may have cut demand for refinancing. It has lent in Tampa-St. Petersburg-Clearwater since 1991 and ranked 287 of 925 lenders there.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. San Antonio Citizens Federal Credit Union took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.0% · Refinance 25.7% · Home improvement 8.6% · Other 5.7%
Conventional 100.0% · of 35 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 35 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tampa | 33 |
| Lakeland-Winter Haven | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SOF7S6E4VRT651 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 770983 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510699 | 1991–2017 |
Established 1 January 1955. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: San Antonio Citizens Federal Credit Union's data.
San Antonio Citizens Federal Credit Union's data
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San Antonio Citizens Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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