Palmetto Citizens Federal Credit Union in South Carolina vs the state
21.7%Denial rate+3.35 pts vs state
25.4%Decision denial rate+1.88 pts vs state
63.7%Origination rate+7.08 pts vs state
6.50%Median rate0.00 pts vs state
-0.34Rate spread (pts)-0.56 pts vs state
$91kMedian applicant income
700Loans originated
238Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,251 | 858 | 18.2% | 7.75% | #39 |
| 2024 | 975 | 565 | 25.5% | 7.50% | #54 |
| 2025 | 1,099 | 700 | 21.7% | 6.50% | #55 |
What Palmetto Citizens Federal Credit Union lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Palmetto Citizens Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 498 | 310 | 116 | 23.3% |
| Lexington County | 439 | 293 | 84 | 19.1% |
| Kershaw County | 54 | 35 | 9 | 16.7% |
| Fairfield County | 16 | 9 | 3 | 18.8% |
| Newberry County | 12 | 9 | 2 | 16.7% |
| Greenville County | 11 | 4 | 6 | 54.5% |
| Charleston County | 9 | 3 | 3 | 33.3% |
| Saluda County | 8 | 6 | 0 | 0.0% |
| Aiken County | 7 | 6 | 1 | 14.3% |
| Orangeburg County | 6 | 2 | 4 | 66.7% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 1,099 applications in 2025, of which 700 were originated and 238 denied.
21.7% of all applications, or 25.4% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Palmetto Citizens Federal Credit Union originated in South Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Palmetto Citizens Federal Credit Union's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology