- "It's business. We run a service, she knew the rules. She should have read the small print."
- ―Mr. Santo to Luis Lopez.
Santo is a loan shark in Liberty City who lends a loan to Luis' mother, which she struggles to pay off. Luis assumes, possibly correctly, that Santo also loans money to other people -- and as bought up by Luis multiple times, they may be other old ladies.
Events of The Ballad of Gay Tony
If Luis takes a dive, Santo will appear in Adriana Lopez's life again, helping her with shopping. In a call with Luis, he unsuccessfully asks her not to talk with Santo anymore.
- "You're a fucking dead man. I'm gonna burn that bitch mom of yours, too."
- ―Santo threatening Luis.
If Luis doesn't take a dive and finishes off his third opponent, outside the cage fighting club, an enraged Santo attacks Luis with a knife, forcing Luis to kill Santo.
- Momma's Boy (Can be killed)
- Mr. Santo, like Gerry McReary and Ray Boccino, is much taller than all other characters in cutscenes. During gameplay he is the same height as all others.