Publix Employees Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Publix Employees Federal Credit Union 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Publix Employees Federal Credit Union 3005 New Tampa Hwy Lakeland, FL 33815 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 595 |
| Total Mortgage Loan Application Amount | $116,495,000 |
| Average Mortgage Loan Application Amount | $176,200 |
| Highest Mortgage Loan Application Amount | $875,000 |
| Average Applicant Income | $98,600 |
| Highest Applicant Income | $930,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Publix Employees Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Publix Employees Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Publix Employees Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Publix Employees Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Publix Employees Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Publix Employees Federal Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Polk County Florida | 118 | $ 21,150,000 | $ 179,000 | $ 95,000 |
| Broward County Florida | 59 | $ 14,095,000 | $ 238,000 | $ 96,000 |
| Palm Beach County Florida | 49 | $ 10,605,000 | $ 216,000 | $ 90,000 |
| Hillsborough County Florida | 38 | $ 8,410,000 | $ 221,000 | $ 116,000 |
| Duval County Florida | 23 | $ 3,925,000 | $ 170,000 | $ 114,000 |
| Orange County Florida | 20 | $ 4,330,000 | $ 216,000 | $ 108,000 |
| Gwinnett County Georgia | 20 | $ 3,310,000 | $ 165,000 | $ 101,000 |
| Miami-Dade County Florida | 18 | $ 3,430,000 | $ 190,000 | $ 88,000 |
| Sarasota County Florida | 18 | $ 3,570,000 | $ 198,000 | $ 102,000 |
| St. Lucie County Florida | 17 | $ 3,595,000 | $ 211,000 | $ 80,000 |
| Pinellas County Florida | 15 | $ 2,595,000 | $ 173,000 | $ 70,000 |
| Lake County Florida | 14 | $ 2,910,000 | $ 207,000 | $ 99,000 |
| Pasco County Florida | 12 | $ 2,180,000 | $ 181,000 | $ 101,000 |
| Brevard County Florida | 11 | $ 2,375,000 | $ 215,000 | $ 105,000 |
| Cobb County Georgia | 10 | $ 2,040,000 | $ 204,000 | $ 74,000 |
| Barrow County Georgia | 9 | $ 1,115,000 | $ 123,000 | $ 53,000 |
| Osceola County Florida | 8 | $ 1,730,000 | $ 216,000 | $ 100,000 |
| Manatee County Florida | 7 | $ 1,395,000 | $ 199,000 | $ 94,000 |
| Seminole County Florida | 7 | $ 1,525,000 | $ 217,000 | $ 105,000 |
| Volusia County Florida | 7 | $ 1,105,000 | $ 157,000 | $ 91,000 |
| Alachua County Florida | 5 | $ 855,000 | $ 171,000 | $ 90,000 |
| Charlotte County Florida | 5 | $ 635,000 | $ 127,000 | $ 67,000 |
| Collier County Florida | 5 | $ 2,125,000 | $ 425,000 | $ 118,000 |
| Hernando County Florida | 5 | $ 905,000 | $ 181,000 | $ 89,000 |
| Flagler County Florida | 4 | $ 520,000 | $ 130,000 | $ 79,000 |
| Leon County Florida | 4 | $ 600,000 | $ 150,000 | $ 56,000 |
| Marion County Florida | 4 | $ 790,000 | $ 197,000 | $ 84,000 |
| Martin County Florida | 4 | $ 540,000 | $ 135,000 | $ 47,000 |
| St. Johns County Florida | 4 | $ 970,000 | $ 242,000 | $ 100,000 |
| DeKalb County Georgia | 4 | $ 590,000 | $ 147,000 | $ 51,000 |
| Forsyth County Georgia | 4 | $ 690,000 | $ 172,000 | $ 63,000 |
| Fulton County Georgia | 4 | $ 640,000 | $ 160,000 | $ 265,000 |
| Citrus County Florida | 3 | $ 795,000 | $ 265,000 | $ 95,000 |
| Clay County Florida | 3 | $ 555,000 | $ 185,000 | $ 125,000 |
| Highlands County Florida | 3 | $ 435,000 | $ 145,000 | $ 69,000 |
| Cherokee County Georgia | 3 | $ 845,000 | $ 281,000 | $ 109,000 |
| Douglas County Georgia | 3 | $ 375,000 | $ 125,000 | $ 57,000 |
| Rockdale County Georgia | 3 | $ 625,000 | $ 208,000 | $ 124,000 |
| Jefferson County Alabama | 2 | $ 380,000 | $ 190,000 | $ 67,000 |
| Madison County Alabama | 2 | $ 70,000 | $ 35,000 | $ 84,000 |
| Mobile County Alabama | 2 | $ 90,000 | $ 45,000 | $ 30,000 |
| Indian River County Florida | 2 | $ 400,000 | $ 200,000 | $ 56,000 |
| Lee County Florida | 2 | $ 420,000 | $ 210,000 | $ 89,000 |
| Chatham County Georgia | 2 | $ 130,000 | $ 65,000 | $ 19,000 |
| Hall County Georgia | 2 | $ 270,000 | $ 135,000 | $ 32,000 |
| Buncombe County North Carolina | 2 | $ 510,000 | $ 255,000 | $ 104,000 |
| Greenville County South Carolina | 2 | $ 310,000 | $ 155,000 | $ 38,000 |
| Carter County Tennessee | 2 | $ 210,000 | $ 105,000 | $ 62,000 |
| Houston County Alabama | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Limestone County Alabama | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Shelby County Alabama | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Nassau County Florida | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Sumter County Florida | 1 | $ 375,000 | $ 375,000 | $ 91,000 |
| Bryan County Georgia | 1 | $ 135,000 | $ 135,000 | $ 108,000 |
| Carroll County Georgia | 1 | $ 85,000 | $ 85,000 | $ 86,000 |
| Fayette County Georgia | 1 | $ 275,000 | $ 275,000 | $ 99,000 |
| Greene County Georgia | 1 | $ 135,000 | $ 135,000 | $ 313,000 |
| Hart County Georgia | 1 | $ 305,000 | $ 305,000 | $ 33,000 |
| Jackson County Georgia | 1 | $ 195,000 | $ 195,000 | $ 194,000 |
| Liberty County Georgia | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Lowndes County Georgia | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Newton County Georgia | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Oglethorpe County Georgia | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Paulding County Georgia | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Franklin County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Iredell County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Johnston County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Mecklenburg County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Beaufort County South Carolina | 1 | $ 335,000 | $ 335,000 | $ 143,000 |
| Charleston County South Carolina | 1 | $ 385,000 | $ 385,000 | $ 255,000 |
| Chesterfield County Virginia | 1 | $ 155,000 | $ 155,000 | $ 34,000 |
| Petersburg County Virginia | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Publix Employees Federal Credit Union in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 200 | $39,990,000 | $199,000 | $775,000 | $95,000 | $930,000 |
| Cash-out Refinancing | 175 | $34,605,000 | $197,000 | $465,000 | $87,000 | $295,000 |
| Home Improvement | 106 | $18,380,000 | $173,000 | $875,000 | $98,000 | $324,000 |
| Home Purchase | 90 | $21,830,000 | $242,000 | $705,000 | $99,000 | $313,000 |
| Other Purpose | 24 | $1,690,000 | $70,000 | $265,000 | $114,000 | $208,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 298 | $59,150,000 | $198,000 | $875,000 | $101,000 | $324,000 |
| Not Provided | 137 | $26,165,000 | $190,000 | $465,000 | $90,000 | $276,000 |
| Black or African American | 85 | $15,515,000 | $182,000 | $465,000 | $81,000 | $930,000 |
| Hispanic | 63 | $13,085,000 | $207,000 | $775,000 | $92,000 | $277,000 |
| Asian | 9 | $1,935,000 | $215,000 | $525,000 | $102,000 | $230,000 |
| American Indian or Alaskan Native | 3 | $645,000 | $215,000 | $335,000 | $52,000 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 595 | $116,495,000 | $195,000 | $875,000 | $95,000 | $930,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 303 | $62,335,000 | $205,000 | $485,000 | $106,000 | $324,000 |
| Application Denied By Financial Institution | 137 | $24,195,000 | $176,000 | $525,000 | $68,000 | $454,000 |
| Application Withdrawn By Applicant | 97 | $19,845,000 | $204,000 | $775,000 | $103,000 | $930,000 |
| File Closed For Incompleteness | 56 | $9,740,000 | $173,000 | $875,000 | $84,000 | $240,000 |
| Application Approved But Not Accepted | 2 | $380,000 | $190,000 | $195,000 | $66,000 | $86,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 595 | $116,495,000 | $195,000 | $875,000 | $95,000 | $930,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Publix Employees Federal Credit Union's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Publix Employees Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.