Applications / Mortgage Analytics / Lenders / Florida / Publix Employees Federal Credit Union
Lakeland, FL · Credit union · NCUA · $1.7 billion assets · 89 loans in 2025
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89
loans originated, 2025
581
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Publix Employees Federal Credit Union, a Lakeland credit union, makes far bigger loans than similar lenders, but it is making fewer of them each year.
Home purchases made up 69.7% of its lending in 2025. Its typical loan was $255,000, against $95,000 at a typical similar lender (credit unions making between half and twice as many loans), larger than at more than nine in ten of them. The figure was $100,000 a year earlier, so a shift of this size on fewer than 100 loans should be read with care.
Loans fell 28% to 89, while similar lenders grew 7% and the whole market 10%. That puts it among the lowest tenth for growth. It made 303 loans in 2022 and has made fewer every year since.
Its loans reached 6 states and 26 metros. In 2025 it lent for the first time in Cincinnati, Virginia Beach-Chesapeake-Norfolk and Lexington-Fayette, though with tiny shares. At home its share of Lakeland-Winter Haven held at 0.1%, ranking it 165 of 560 lenders; United Wholesale Mortgage leads there.
Its typical rate was 6.34%, against 6.75% at similar lenders, and none of its loans was higher-priced (a rate well above the average for similar loans). Majority-minority neighborhoods took 19.1% of its loans, about double the 9.1% at a typical similar lender.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Publix Employees Federal Credit Union took 581 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.7% · Refinance 23.6% · Other 6.7%
Conventional 100.0% · of 89 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 61 | 68.5% |
| Kentucky | 11 | 12.4% |
| Georgia | 10 | 11.2% |
| North Carolina | 5 | 5.6% |
| Alabama | 1 | 1.1% |
| Virginia | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakeland-Winter Haven | 14 |
| Tampa | 10 |
| Atlanta-Sandy Springs-Roswell | 6 |
| Orlando-Kissimmee-Sanford | 6 |
| Jacksonville | 5 |
| North Port-Bradenton-Sarasota | 5 |
| Port St. Lucie | 5 |
| Cincinnati | 4 |
| West Palm Beach-Boca Raton-Delray Beach | 3 |
| Deltona-Daytona Beach-Ormond Beach | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009KQ3D6Q5VM0B61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 216089 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 523020 | 1990–2017 |
Established 1 January 1978. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Publix Employees Federal Credit Union's data.
Publix Employees Federal Credit Union's data
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Publix Employees Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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