Publix Employees Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
2nd48.4% deniedPricingmedian rate spread over APOR, weight 30%
90th-0.18 ptsProcesswithdrawn + incomplete share, weight 15%
0th62.3%Closing coststotal loan costs ÷ loan amount, weight 10%
29th2.52% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 432 | 178 | 16.7% | 28.8% | — | $25M |
| 2024 | 478 | 124 | 14.4% | 34.0% | 7.06% | $20M |
| 2025 | 581 | 89 | 18.2% | 48.4% | 6.34% | $31M |
What Publix Employees Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 2 investment properties.
Why Publix Employees Federal Credit Union denies applications
Primary reason reported for each of the 106 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Publix Employees Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 77 | 3 | 81.5% |
| $50k – $100k | 181 | 40 | 44.4% |
| $100k – $150k | 126 | 25 | 39.3% |
| $150k – $250k | 83 | 12 | 45.2% |
| Over $250k | 113 | 9 | 52.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 109 | 20 | 35.9% |
| 35–44 | 146 | 21 | 44.2% |
| 45–54 | 122 | 16 | 60.0% |
| 55–64 | 136 | 27 | 46.6% |
| 65–74 | 42 | 4 | 64.7% |
Where Publix Employees Federal Credit Union lends
8 states and 118 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 432 | 61 | 20.1% | 6.37% | #259 |
| Georgia | 79 | 10 | 15.2% | 6.21% | #372 |
| North Carolina | 24 | 5 | 4.2% | 6.40% | #496 |
| Kentucky | 19 | 11 | 15.8% | 4.65% | #358 |
| Alabama | 12 | 1 | 16.7% | 6.04% | #450 |
| Tennessee | 7 | 0 | 0.0% | — | #689 |
| South Carolina | 5 | 0 | 20.0% | — | #641 |
Frequently asked questions
Publix Employees Federal Credit Union denied 48.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 2nd percentile of small mortgage lenders.
The most common reason Publix Employees Federal Credit Union gave in 2025 was "credit history", cited on 64.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Publix Employees Federal Credit Union originated in 2025 was 6.34%, and its median rate spread over the average prime offer rate was -0.18 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 35% of its applications were for home purchases, 28% for refinancing (including cash-out), and 37% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.