Publix Employees Federal Credit Union in Georgia vs the state
15.2%Denial rate-4.03 pts vs state
48.0%Decision denial rate+22.93 pts vs state
12.7%Origination rate-41.43 pts vs state
6.21%Median rate-0.42 pts vs state
-0.17Rate spread (pts)-0.44 pts vs state
$101kMedian applicant income
10Loans originated
12Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 22 | 17.2% | — | #399 |
| 2024 | 65 | 15 | 10.8% | 6.80% | #399 |
| 2025 | 79 | 10 | 15.2% | 6.21% | #372 |
What Publix Employees Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Publix Employees Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 15 | 1 | 2 | 13.3% |
| Barrow County | 7 | 2 | 1 | 14.3% |
| DeKalb County | 6 | 0 | 1 | 16.7% |
| Cobb County | 6 | 1 | 1 | 16.7% |
| Jackson County | 6 | 0 | 2 | 33.3% |
| Walton County | 5 | 1 | 1 | 20.0% |
| Forsyth County | 3 | 1 | 0 | 0.0% |
| Fulton County | 3 | 1 | 0 | 0.0% |
| Paulding County | 3 | 0 | 0 | 0.0% |
| Clayton County | 2 | 0 | 2 | 100.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 79 applications in 2025, of which 10 were originated and 12 denied.
15.2% of all applications, or 48.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Publix Employees Federal Credit Union originated in Georgia in 2025 was 6.21%, 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology