What loan types does Publix Employees Federal Credit Union offer?

Publix Employees Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Publix Employees Federal Credit Union offer mortgages?

Publix Employees Federal Credit Union offers mortgages in 5 states: AL, FL, GA, NC, TN.

How competitive are Publix Employees Federal Credit Union's mortgage rates?

Publix Employees Federal Credit Union has an overall pricing score of 91.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Publix Employees Federal Credit Union?

Publix Employees Federal Credit Union is a Credit Union headquartered in Lakeland, FL.

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Publix Employees Federal Credit Union

Credit Union•Lakeland, FLHQ•Direct•Reviews near you on Google

Publix Employees Federal Credit Union has 43 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Mediocre

1/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Active

Regional

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 10.40 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Publix Employees Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 10.4 bps below market avg

5/5

Pull Through

Closing strength

Mediocre

Bottom 20% of lenders

1/5

By Loan Product· Specialization by type

Conventional

41 loans · 0.07% below market

Mediocre

Bottom 20% of lenders

1/5

By Loan Purpose· Transaction purpose mix

Purchase

34 loans · 0.09% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 states

No peer data

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Mediocre	Exceptional	Mediocre	41	95.3%	-0.074%Below	$924Fees

Conventional

Overall

Acceptable

Product

Mediocre

Pricing

Exceptional

Pull Through

Mediocre

Volume41

Mix95.3%

Spread

-0.074%Below

Fees

$924Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Exceptional	Mediocre	34	79.1%	-0.089%Below	$938Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Exceptional

Pull Through

Mediocre

Volume34

Mix79.1%

Spread

-0.089%Below

Fees

$938Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

205

Volume

$13 million

Pricing & Closing

Avg Rate Spread

-0.104%

vs. market APOR

Avg Net Fees

$927

Origination − Credits

Pullthrough Rate

21.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$305,000

Avg Borrower Income

$125,163

Avg Property Value

$449,884

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

5Full-year 2024 · HMDA

Loans originated

All statesNone

South5

ALFLGANCTN

Top States by Place Specialization Score

FloridaState

Volume 32Mix 74.42% of portfolio

55/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.