Publix Employees Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Publix Employees Federal Credit Union 2022 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 | 616 |
| Total Mortgage Loan Application Amount | $111,650,000 |
| Average Mortgage Loan Application Amount | $179,800 |
| Highest Mortgage Loan Application Amount | $1,105,000 |
| Average Applicant Income | $92,800 |
| Highest Applicant Income | $1,039,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 129 | $ 23,625,000 | $ 183,000 | $ 111,000 |
| Palm Beach County Florida | 54 | $ 9,070,000 | $ 167,000 | $ 104,000 |
| Broward County Florida | 50 | $ 10,000,000 | $ 200,000 | $ 88,000 |
| St. Lucie County Florida | 23 | $ 4,205,000 | $ 182,000 | $ 80,000 |
| Duval County Florida | 20 | $ 4,070,000 | $ 203,000 | $ 115,000 |
| Hillsborough County Florida | 18 | $ 4,280,000 | $ 237,000 | $ 118,000 |
| Seminole County Florida | 18 | $ 2,540,000 | $ 141,000 | $ 83,000 |
| Sarasota County Florida | 16 | $ 1,850,000 | $ 115,000 | $ 95,000 |
| Miami-Dade County Florida | 15 | $ 2,215,000 | $ 147,000 | $ 75,000 |
| Orange County Florida | 15 | $ 3,175,000 | $ 211,000 | $ 102,000 |
| Gwinnett County Georgia | 14 | $ 1,930,000 | $ 137,000 | $ 67,000 |
| Manatee County Florida | 13 | $ 1,705,000 | $ 131,000 | $ 97,000 |
| Pinellas County Florida | 12 | $ 1,820,000 | $ 151,000 | $ 92,000 |
| Volusia County Florida | 12 | $ 1,890,000 | $ 157,000 | $ 62,000 |
| Pasco County Florida | 11 | $ 2,335,000 | $ 212,000 | $ 130,000 |
| St. Johns County Florida | 10 | $ 1,360,000 | $ 136,000 | $ 105,000 |
| Lake County Florida | 9 | $ 1,565,000 | $ 173,000 | $ 75,000 |
| Citrus County Florida | 7 | $ 1,605,000 | $ 229,000 | $ 139,000 |
| Lee County Florida | 7 | $ 1,225,000 | $ 175,000 | $ 91,000 |
| Marion County Florida | 7 | $ 945,000 | $ 135,000 | $ 50,000 |
| Martin County Florida | 7 | $ 1,055,000 | $ 150,000 | $ 68,000 |
| DeKalb County Georgia | 7 | $ 1,695,000 | $ 242,000 | $ 90,000 |
| Indian River County Florida | 6 | $ 1,620,000 | $ 270,000 | $ 118,000 |
| Brevard County Florida | 5 | $ 1,005,000 | $ 201,000 | $ 70,000 |
| Clay County Florida | 5 | $ 1,005,000 | $ 201,000 | $ 104,000 |
| Cobb County Georgia | 5 | $ 675,000 | $ 135,000 | $ 62,000 |
| Charlotte County Florida | 4 | $ 800,000 | $ 200,000 | $ 91,000 |
| Highlands County Florida | 4 | $ 340,000 | $ 85,000 | $ 52,000 |
| Leon County Florida | 4 | $ 550,000 | $ 137,000 | $ 65,000 |
| Osceola County Florida | 4 | $ 940,000 | $ 235,000 | $ 52,000 |
| Barrow County Georgia | 4 | $ 490,000 | $ 122,000 | $ 86,000 |
| Henry County Georgia | 4 | $ 1,040,000 | $ 260,000 | $ 152,000 |
| Anderson County South Carolina | 4 | $ 930,000 | $ 232,000 | $ 111,000 |
| Hernando County Florida | 3 | $ 325,000 | $ 108,000 | $ 104,000 |
| Sumter County Florida | 3 | $ 705,000 | $ 235,000 | $ 95,000 |
| Bibb County Georgia | 3 | $ 415,000 | $ 138,000 | $ 51,000 |
| Catawba County North Carolina | 3 | $ 445,000 | $ 148,000 | $ 49,000 |
| Guilford County North Carolina | 3 | $ 495,000 | $ 165,000 | $ 61,000 |
| Baker County Florida | 2 | $ 210,000 | $ 105,000 | $ 84,000 |
| Bay County Florida | 2 | $ 420,000 | $ 210,000 | $ 164,000 |
| Wakulla County Florida | 2 | $ 200,000 | $ 100,000 | $ 65,000 |
| Walton County Florida | 2 | $ 330,000 | $ 165,000 | $ 101,000 |
| Forsyth County Georgia | 2 | $ 300,000 | $ 150,000 | $ 105,000 |
| Hall County Georgia | 2 | $ 310,000 | $ 155,000 | $ 52,000 |
| Jackson County Georgia | 2 | $ 470,000 | $ 235,000 | $ 94,000 |
| Paulding County Georgia | 2 | $ 520,000 | $ 260,000 | $ 59,000 |
| Walton County Georgia | 2 | $ 150,000 | $ 75,000 | $ 76,000 |
| Brunswick County North Carolina | 2 | $ 840,000 | $ 420,000 | $ 90,000 |
| Henderson County North Carolina | 2 | $ 670,000 | $ 335,000 | $ 105,000 |
| Oconee County South Carolina | 2 | $ 220,000 | $ 110,000 | $ 48,000 |
| Greene County Tennessee | 2 | $ 210,000 | $ 105,000 | $ 56,000 |
| Hamilton County Tennessee | 2 | $ 320,000 | $ 160,000 | $ 49,000 |
| Baldwin County Alabama | 1 | $ 445,000 | $ 445,000 | $ 227,000 |
| Jefferson County Alabama | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Madison County Alabama | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Shelby County Alabama | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Collier County Florida | 1 | $ 285,000 | $ 285,000 | $ 180,000 |
| Columbia County Florida | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Flagler County Florida | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| Jefferson County Florida | 1 | $ 285,000 | $ 285,000 | $ 102,000 |
| Levy County Florida | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Nassau County Florida | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Okeechobee County Florida | 1 | $ 105,000 | $ 105,000 | $ 101,000 |
| Putnam County Florida | 1 | $ 45,000 | $ 45,000 | $ 400,000 |
| Suwannee County Florida | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Bartow County Georgia | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Butts County Georgia | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Chatham County Georgia | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Cherokee County Georgia | 1 | $ 245,000 | $ 245,000 | $ 36,000 |
| Clarke County Georgia | 1 | $ 105,000 | $ 105,000 | $ 19,000 |
| Clayton County Georgia | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Fannin County Georgia | 1 | $ 325,000 | $ 325,000 | $ 151,000 |
| Fulton County Georgia | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Habersham County Georgia | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Haralson County Georgia | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Houston County Georgia | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Liberty County Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lowndes County Georgia | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Marion County Georgia | 1 | $ 335,000 | $ 335,000 | $ 151,000 |
| Rockdale County Georgia | 1 | $ 145,000 | $ 145,000 | $ 84,000 |
| Whitfield County Georgia | 1 | $ 175,000 | $ 175,000 | $ 41,000 |
| Buncombe County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 90,000 |
| Cabarrus County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 186,000 |
| Iredell County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Johnston County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 105,000 |
| Macon County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 103,000 |
| Onslow County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Charleston County South Carolina | 1 | $ 645,000 | $ 645,000 | $ 179,000 |
| Horry County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 78,000 |
| Lancaster County South Carolina | 1 | $ 455,000 | $ 455,000 | $ 116,000 |
| Lexington County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Richland County South Carolina | 1 | $ 345,000 | $ 345,000 | $ 99,000 |
| Spartanburg County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| York County South Carolina | 1 | $ 645,000 | $ 645,000 | $ 317,000 |
| Cocke County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Maury County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Polk County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 134,000 |
| Williamson County Tennessee | 1 | $ 415,000 | $ 415,000 | $ 72,000 |
| Wilson County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 84,000 |
| Bedford County Virginia | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Chesterfield County Virginia | 1 | $ 385,000 | $ 385,000 | $ 81,000 |
| Richmond City County Virginia | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Publix Employees Federal Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 202 | $31,900,000 | $157,000 | $895,000 | $104,000 | $750,000 |
| Home Purchase | 136 | $36,180,000 | $266,000 | $1,105,000 | $108,000 | $325,000 |
| Cash-out Refinancing | 105 | $19,315,000 | $183,000 | $645,000 | $80,000 | $246,000 |
| Other Purpose | 95 | $7,335,000 | $77,000 | $285,000 | $82,000 | $400,000 |
| Refinancing | 78 | $16,920,000 | $216,000 | $455,000 | $90,000 | $1,039,000 |
| 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 | 258 | $45,490,000 | $176,000 | $665,000 | $111,000 | $1,039,000 |
| Not Provided | 199 | $36,575,000 | $183,000 | $1,105,000 | $85,000 | $270,000 |
| Black or African American | 83 | $15,365,000 | $185,000 | $525,000 | $79,000 | $252,000 |
| Hispanic | 68 | $12,460,000 | $183,000 | $585,000 | $84,000 | $325,000 |
| Asian | 6 | $1,380,000 | $230,000 | $375,000 | $119,000 | $196,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $40,000 | $40,000 |
| Not applicable | 1 | $235,000 | $235,000 | $235,000 | $87,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 616 | $111,650,000 | $181,000 | $1,105,000 | $95,000 | $1,039,000 |
| 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 | $59,155,000 | $195,000 | $1,105,000 | $106,000 | $341,000 |
| Application Withdrawn By Applicant | 158 | $29,830,000 | $188,000 | $645,000 | $99,000 | $1,039,000 |
| Application Denied By Financial Institution | 91 | $12,605,000 | $138,000 | $525,000 | $64,000 | $216,000 |
| File Closed For Incompleteness | 64 | $10,060,000 | $157,000 | $665,000 | $83,000 | $750,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 616 | $111,650,000 | $181,000 | $1,105,000 | $95,000 | $1,039,000 |
| 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 2022 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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