Applications / Mortgage Analytics / Lenders / South Carolina / Palmetto Citizens Federal Credit Union
Columbia, SC · Credit union · NCUA · $1.4 billion assets · 700 loans in 2025
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700
loans originated, 2025
1,106
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Palmetto Citizens Federal Credit Union is a Columbia, South Carolina, credit union whose lending grew 24% in 2025, faster than most similar lenders, and whose share of its home market rose.
It made 700 loans in 2025, up 24% from 565, against 6% for credit unions making between half and twice as many loans and 10% for the whole market. Its dollar volume rose from $64.6 million to $114.5 million as its typical loan grew from $85,000 to $125,000. Its count is still below the 1,218 loans of 2022.
In Columbia, its largest market, it ranks 12 of 515 lenders, and its share rose 0.6 points, from 1.2% to 1.8%. Guild Mortgage Company, United Wholesale Mortgage and Rocket Mortgage lead there. Its other South Carolina markets are much smaller for it.
Other-purpose loans made up 36.3% of its lending, refinances 28.3%, home purchases 22.0% and home improvement 13.4%. Almost all were conventional, with a small share (1.1%) insured by the Federal Housing Administration (FHA). It made no jumbo loans (larger than the conforming limit).
28.7% of its loans were in majority-minority tracts, against 10.4% for similar lenders, higher than about three in four of them. 30.1% went to low- and moderate-income (LMI) borrowers, somewhat above similar lenders' 27.3%. It turned down 3.8% of first-lien home-purchase applications, lower than their 6.3%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Palmetto Citizens Federal Credit Union took 1,106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 36.3% · Refinance 28.3% · Purchase 22.0% · Home improvement 13.4%
Conventional 98.9% · FHA 1.1% · of 700 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| South Carolina | 700 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 655 |
| Augusta-Richmond County | 7 |
| Greenville-Anderson-Greer | 7 |
| Charleston-North Charleston | 6 |
| Hilton Head Island-Bluffton-Port Royal | 4 |
| Charlotte-Concord-Gastonia | 2 |
| Sumter | 2 |
| Florence | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
| Spartanburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004JGZVB2EPI6W51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 510778 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51472 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Palmetto Citizens Federal Credit Union's data.
Palmetto Citizens Federal Credit Union's data
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Palmetto Citizens Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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