Lender in South Carolina · HMDA 2025
Palmetto Citizens Federal Credit Union mortgages in South Carolina
Palmetto Citizens Federal Credit Union's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
Palmetto Citizens Federal Credit Union originated 232 owner-occupied single-family loans in South Carolina from 287 completed applications.
Its median conventional purchase loan costs were $5,750 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 5.875% (South Carolina: 6.624%).
Loans in SC
232
of 287 applications
Denial rate
3.8%
Purchase · SC 8.8%
Rate spread
−0.46 pts
Conv. · SC +0.12 pts
Loan amount
$235,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 158 | 152 | 3.8% | 5.875% | −0.46 pts | $5,750 | $235,000 |
| Refinance | 129 | 80 | 37.2% | 5.875% | −0.33 pts | $4,840 | $195,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where Palmetto Citizens Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Saluda County | 9 | 4 | 2.9% |
| Lexington County | 14 | 114 | 2.0% |
| Bamberg County | 18 | 1 | 1.5% |
| Richland County | 25 | 88 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology