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 score and performance metrics.

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 an overall pricing score of 62.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Palmetto Citizens Federal Credit Union?

Palmetto Citizens Federal Credit Union is a Credit Union headquartered in Columbia, SC.

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Palmetto Citizens Federal Credit Union

Credit Union•Columbia, SCHQ•Direct•Reviews near you on Google

Palmetto Citizens Federal Credit Union has 120 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Exceptional

5/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Offers rates 42.30 basis points below market average

Explore another lender or local market

Report Card

Palmetto Citizens Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 42.3 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

120 loans · 0.42% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

55 loans · 0.41% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

65 loans · 0.44% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	120	100.0%	-0.423%Below	$2,715Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume120

Mix100.0%

Spread

-0.423%Below

Fees

$2,715Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	55	45.8%	-0.408%Below	$3,013Fees
Refinance	Sound	Strong	Sound	Strong	65	54.2%	-0.437%Below	$2,455Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume55

Mix45.8%

Spread

-0.408%Below

Fees

$3,013Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume65

Mix54.2%

Spread

-0.437%Below

Fees

$2,455Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

120

Applications

203

Volume

$24 million

Pricing & Closing

Avg Rate Spread

-0.423%

vs. market APOR

Avg Net Fees

$2,715

Origination − Credits

Pullthrough Rate

59.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$202,583

Avg Borrower Income

$107,250

Avg Property Value

$311,917

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

South1

Top Metro Areas by Place Specialization Score

Columbia, SCMetro

Volume 108Mix 90.00% of portfolio

83/100

Exceptional

Top States by Place Specialization Score

South CarolinaState

Volume 120Mix 100.00% of portfolio

75/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.