Palmetto Citizens Federal Credit Union
Palmetto Citizens Federal Credit Union received 1,106 applications in 2025 and made 700 mortgages, in 37 counties across 4 states. The median rate its borrowers got was 6.500% on a median loan of $125,000. Of 943 decisions, 242 were denials — 25.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493004JGZVB2EPI6W51 |
|---|---|
| Applications received | 1,106 |
| Mortgages made | 700 |
| Denied | 242 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 163 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.344 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 154 | 5.875% | $235,000 | 5.5% |
| Refinancing | 198 | 6.500% | $145,000 | 53.2% |
| Other purposes | 348 | 6.750% | $75,000 | 2.0% |
Where Palmetto Citizens Federal Credit Union lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Richland County, SC | 310 | 6.500% | 27.2% |
| Lexington County, SC | 293 | 6.500% | 22.3% |
| Kershaw County, SC | 35 | 6.500% | 20.5% |
| Fairfield County, SC | 9 | Under 10 loans | 25.0% |
| Newberry County, SC | 9 | Under 10 loans | 18.2% |
| Aiken County, SC | 6 | Under 10 loans | 14.3% |
| Saluda County, SC | 6 | Under 10 loans | 0.0% |
| Greenville County, SC | 4 | Under 10 loans | 60.0% |
| Beaufort County, SC | 3 | Under 10 loans | 0.0% |
| Berkeley County, SC | 3 | Under 10 loans | 0.0% |
| Charleston County, SC | 3 | Under 10 loans | 50.0% |
| Calhoun County, SC | 2 | Under 10 loans | 50.0% |
| Orangeburg County, SC | 2 | Under 10 loans | 66.7% |
| Sumter County, SC | 2 | Under 10 loans | 33.3% |
| Anderson County, SC | 1 | Under 10 loans | 0.0% |
| Bamberg County, SC | 1 | Under 10 loans | 0.0% |
| Chester County, SC | 1 | Under 10 loans | 0.0% |
| Edgefield County, SC | 1 | Under 10 loans | 0.0% |
| Florence County, SC | 1 | Under 10 loans | 50.0% |
| Georgetown County, SC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Jasper County, SC | 1 | Under 10 loans | 0.0% |
| Laurens County, SC | 1 | Under 10 loans | 50.0% |
| Oconee County, SC | 1 | Under 10 loans | 0.0% |
| Pickens County, SC | 1 | Under 10 loans | 0.0% |
| Spartanburg County, SC | 1 | Under 10 loans | 50.0% |
| York County, SC | 1 | Under 10 loans | 50.0% |
| Richmond County, GA | 0 | Under 10 loans | 100.0% |
| Johnston County, NC | 0 | Under 10 loans | 100.0% |
| Mecklenburg County, NC | 0 | Under 10 loans | 100.0% |
| New Hanover County, NC | 0 | Under 10 loans | Not published |
| Swain County, NC | 0 | Under 10 loans | Not published |
| Wake County, NC | 0 | Under 10 loans | 100.0% |
| Abbeville County, SC | 0 | Under 10 loans | 100.0% |
| Chesterfield County, SC | 0 | Under 10 loans | 100.0% |
| Lancaster County, SC | 0 | Under 10 loans | 100.0% |
| Lancaster County, VA | 0 | Under 10 loans | Not published |
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When Palmetto Citizens Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.