Publix Employees Federal Credit Union in North Carolina vs the state
4.2%Denial rate-13.89 pts vs state
12.5%Decision denial rate-10.32 pts vs state
20.8%Origination rate-36.98 pts vs state
6.40%Median rate-0.10 pts vs state
-0.18Rate spread (pts)-0.27 pts vs state
$135kMedian applicant income
5Loans originated
1Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 6 | 0.0% | — | #672 |
| 2024 | 16 | 3 | 0.0% | 7.50% | #540 |
| 2025 | 24 | 5 | 4.2% | 6.40% | #496 |
What Publix Employees Federal Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Publix Employees Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guilford County | 4 | 0 | 0 | 0.0% |
| Forsyth County | 4 | 1 | 1 | 25.0% |
| Catawba County | 3 | 1 | 0 | 0.0% |
| Onslow County | 2 | 0 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Wake County | 1 | 0 | 0 | 0.0% |
| Macon County | 1 | 0 | 0 | 0.0% |
| Buncombe County | 1 | 0 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Vance County | 1 | 0 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 24 applications in 2025, of which 5 were originated and 1 denied.
4.2% of all applications, or 12.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Publix Employees Federal Credit Union originated in North Carolina in 2025 was 6.40%, against a statewide median of 6.50%.
About this data. Figures are Publix Employees Federal Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology