Publix Employees Federal Credit Union mortgage approval rate & lending review
Publix Employees Federal Credit Union decided 431 mortgage applications and funded 288 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Publix Employees Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Publix Employees Federal Credit Union at a glance
Approval is 1.3 points below the 73.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 124 / 145 | 93% | $275K | 115 |
| Home improvement loans | 81% | 117 / 145 | 99% | $65K | 116 |
| Cash-out refinance | 45% | 50 / 112 | 76% | $85K | 38 |
| Refinance | 68% | 19 / 28 | 100% | $85K | 19 |
Publix Employees Federal Credit Union lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Publix Employees Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Polk County, FL | Home improvement loans | 76% | 29 | 21 |
The county markets where Publix Employees Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Publix Employees Federal Credit Union
What is Publix Employees Federal Credit Union's mortgage approval rate?
Publix Employees Federal Credit Union approved 72.2% of the 431 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.3 points below the 73.5% national rate for the same mix of loan types.
How often do borrowers take the loan Publix Employees Federal Credit Union offers?
Borrowers accepted 93% of the loans Publix Employees Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Publix Employees Federal Credit Union make?
The typical home purchase mortgage loan Publix Employees Federal Credit Union made was $275K; across all loan types its typical loan ran from $65K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Publix Employees Federal Credit Union lend?
Publix Employees Federal Credit Union decided applications in 8 of the states Fat Boy Data covers, most of them in Florida, Georgia and North Carolina.
Can I apply to Publix Employees Federal Credit Union directly?
Yes. Publix Employees Federal Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Publix Employees Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Publix Employees Federal Credit Union treats applications, then get a rate quote from the lender.