Publix Employees Federal Credit Union in Florida vs the state
20.1%Denial rate-0.92 pts vs state
52.7%Decision denial rate+25.49 pts vs state
14.1%Origination rate-38.57 pts vs state
6.37%Median rate-0.25 pts vs state
-0.16Rate spread (pts)-0.43 pts vs state
$114kMedian applicant income
61Loans originated
87Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 339 | 132 | 17.7% | — | #290 |
| 2024 | 363 | 101 | 16.0% | 7.13% | #278 |
| 2025 | 432 | 61 | 20.1% | 6.37% | #259 |
What Publix Employees Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Publix Employees Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 91 | 14 | 14 | 15.4% |
| Broward County | 40 | 2 | 14 | 35.0% |
| Palm Beach County | 31 | 3 | 9 | 29.0% |
| Hillsborough County | 31 | 7 | 8 | 25.8% |
| Miami-Dade County | 24 | 2 | 4 | 16.7% |
| Orange County | 19 | 1 | 3 | 15.8% |
| Sarasota County | 17 | 2 | 3 | 17.6% |
| Pasco County | 17 | 3 | 2 | 11.8% |
| Duval County | 16 | 5 | 4 | 25.0% |
| St. Lucie County | 15 | 5 | 1 | 6.7% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 432 applications in 2025, of which 61 were originated and 87 denied.
20.1% of all applications, or 52.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Publix Employees Federal Credit Union originated in Florida in 2025 was 6.37%, against a statewide median of 6.63%.
About this data. Figures are Publix Employees Federal Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology