Palmetto Citizens Federal Credit Union mortgage approval rate & lending review
Palmetto Citizens Federal Credit Union decided 2,397 mortgage applications and funded 1,704 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Palmetto Citizens Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Palmetto Citizens Federal Credit Union at a glance
Approval is 0.7 points below the 73.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 258 / 274 | 99% | $235K | 256 |
| Home improvement loans | 85% | 615 / 726 | 97% | $65K | 595 |
| Refinance | 63% | 867 / 1,372 | 98% | $75K | 846 |
Palmetto Citizens Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 73% | $75K | 2,386 | 1,702 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Palmetto Citizens Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Richland County, SC | Refinance | 63% | 739 | 450 |
| Lexington County, SC | Refinance | 65% | 584 | 376 |
| Richland County, SC | Home improvement loans | 83% | 395 | 316 |
| Lexington County, SC | Home improvement loans | 88% | 307 | 263 |
| Lexington County, SC | Mortgage lenders | 96% | 133 | 128 |
| Richland County, SC | Mortgage lenders | 90% | 113 | 100 |
The county markets where Palmetto Citizens Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Palmetto Citizens Federal Credit Union
What is Palmetto Citizens Federal Credit Union's mortgage approval rate?
Palmetto Citizens Federal Credit Union approved 72.9% of the 2,397 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.7 points below the 73.6% national rate for the same mix of loan types.
How often do borrowers take the loan Palmetto Citizens Federal Credit Union offers?
Borrowers accepted 98% of the loans Palmetto Citizens Federal Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Palmetto Citizens Federal Credit Union make?
The typical mortgage refinance loan Palmetto Citizens Federal Credit Union made was $75K; across all loan types its typical loan ran from $65K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Palmetto Citizens Federal Credit Union lend?
Palmetto Citizens Federal Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in South Carolina, North Carolina and Georgia.
Can I apply to Palmetto Citizens Federal Credit Union directly?
Yes. Palmetto Citizens Federal Credit Union is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Palmetto Citizens Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Palmetto Citizens Federal Credit Union treats applications, then get a rate quote from the lender.