Publix Employees Federal Credit Union
Publix Employees Federal Credit Union received 581 applications in 2025 and made 89 mortgages, in 118 counties across 8 states. The median rate its borrowers got was 6.340% on a median loan of $255,000. Of 219 decisions, 106 were denials — 48.4%, most often for credit history.
| Legal Entity Identifier | 5493009KQ3D6Q5VM0B61 |
|---|---|
| Applications received | 581 |
| Mortgages made | 89 |
| Denied | 106 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 362 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.182 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 62 | 6.225% | $285,000 | 12.8% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Cash-out refinancing | 15 | 6.360% | $185,000 | 67.2% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 81.8% |
Where Publix Employees Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Polk County, FL | 14 | 6.410% | 38.9% |
| Hillsborough County, FL | 7 | Under 10 loans | 44.4% |
| Duval County, FL | 5 | Under 10 loans | 40.0% |
| St. Lucie County, FL | 5 | Under 10 loans | 16.7% |
| Manatee County, FL | 3 | Under 10 loans | 50.0% |
| Palm Beach County, FL | 3 | Under 10 loans | 69.2% |
| Pasco County, FL | 3 | Under 10 loans | 40.0% |
| Seminole County, FL | 3 | Under 10 loans | 40.0% |
| Broward County, FL | 2 | Under 10 loans | 87.5% |
| Lake County, FL | 2 | Under 10 loans | 0.0% |
| Marion County, FL | 2 | Under 10 loans | 40.0% |
| Miami-Dade County, FL | 2 | Under 10 loans | 66.7% |
| Sarasota County, FL | 2 | Under 10 loans | 60.0% |
| Volusia County, FL | 2 | Under 10 loans | 50.0% |
| Barrow County, GA | 2 | Under 10 loans | 33.3% |
| Kenton County, KY | 2 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| Okeechobee County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 60.0% |
| Pinellas County, FL | 1 | Under 10 loans | 66.7% |
| Walton County, FL | 1 | Under 10 loans | 50.0% |
| Cobb County, GA | 1 | Under 10 loans | 50.0% |
| Forsyth County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 66.7% |
| Toombs County, GA | 1 | Under 10 loans | 0.0% |
| Union County, GA | 1 | Under 10 loans | 0.0% |
| Walton County, GA | 1 | Under 10 loans | 50.0% |
| Whitfield County, GA | 1 | Under 10 loans | 0.0% |
| Anderson County, KY | 1 | Under 10 loans | 50.0% |
| Campbell County, KY | 1 | Under 10 loans | 0.0% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Grant County, KY | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Madison County, KY | 1 | Under 10 loans | 0.0% |
| Owen County, KY | 1 | Under 10 loans | 0.0% |
| Shelby County, KY | 1 | Under 10 loans | 0.0% |
| Woodford County, KY | 1 | Under 10 loans | 0.0% |
| Catawba County, NC | 1 | Under 10 loans | 0.0% |
| Forsyth County, NC | 1 | Under 10 loans | 50.0% |
| Iredell County, NC | 1 | Under 10 loans | 0.0% |
| Jackson County, NC | 1 | Under 10 loans | 0.0% |
| Lee County, NC | 1 | Under 10 loans | 0.0% |
| James City County, VA | 1 | Under 10 loans | 0.0% |
| Baldwin County, AL | 0 | Under 10 loans | Not published |
| Madison County, AL | 0 | Under 10 loans | 100.0% |
| Mobile County, AL | 0 | Under 10 loans | Not published |
| Randolph County, AL | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.