# Palmetto Citizens Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/palmetto-citizens-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Palmetto Citizens Federal Credit Union is a credit union, headquartered in Columbia, SC, with 120 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 38% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493004JGZVB2EPI6W51
- **Headquarters:** Columbia, SC
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** SC
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.423%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,715
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 120
- **Dollar Volume:** $24 million
- **Applications Received:** 203
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $202,583
- **Average Borrower Income:** $107,250
- **Average Property Value:** $311,917

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 120 | -0.423% | $2,715 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 55 loans, Score: 35/100 (Acceptable)
- Refinance: 65 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 33/100 | 55 | $13M | -0.408% | Acceptable 🙂 |
| Refinance | 60/100 | 65 | $11M | -0.437% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| SC | 120 | 0.15% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbia, SC | SC | 108 | 83/100 |

## Where This Lender Ranks

Palmetto Citizens Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Columbia, SC Credit Unions
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Columbia, SC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#16** in Columbia, SC
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Palmetto Citizens Federal Credit Union offer?

Palmetto Citizens Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Palmetto Citizens Federal Credit Union offer mortgages?

Palmetto Citizens Federal Credit Union offers mortgages in 1 states: SC.

### How competitive are Palmetto Citizens Federal Credit Union's mortgage rates?

Palmetto Citizens Federal Credit Union has a pricing score of 62/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.423% below market average.

### What type of lender is Palmetto Citizens Federal Credit Union?

Palmetto Citizens Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Columbia, SC.

### What is Palmetto Citizens Federal Credit Union's loan approval success rate?

Palmetto Citizens Federal Credit Union has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/palmetto-citizens-federal-credit-union

### How to Cite

> "Palmetto Citizens Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/palmetto-citizens-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/palmetto-citizens-federal-credit-union)**