Publix Employees Mortgage Rates, Fees & Info
Lakeland, FLLEI: 5493009KQ3D6Q5VM0B61
Tax ID: 59-0815534
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Publix Employees is a smaller mortgage company specializing in Refi, Cash Out Refi, and Home Purchase loans. Publix Employees has a high proportion of conventional loans. Their top markets by origination volume include: Lakeland, Miami, Atlanta, Tampa, and Orlando among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)Publix Employees has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
162Origination Dollar Volume (All Markets)
$30,810,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 45 | $8,385,000 | $186,333 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 32 | $7,950,000 | $248,438 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 20 | $3,380,000 | $169,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 14 | $2,510,000 | $179,286 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $2,205,000 | $200,455 | $0 | 0.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $660,000 | $110,000 | $0 | 0.00% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 0.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 0.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $0 | 0.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 0.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $95,000 | $95,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 162 | $30,810,000 | $190,185 | $0 | 0.00% |
For 2019, Publix Employees's most frequently originated type of loan was Conventional, with 162 originations.
Loan Reason
For 2019, Publix Employees's most frequently cited loan purpose was Refi, with 61 originations. The 2nd most popular reason was Cash Out Refi, with 44 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 162 | $30,810,000 | $190,185 | $0 | 0.00% |
For 2019, Publix Employees's most frequently cited loan duration was Other, with 162 originations.
Loan Sizing
2019 saw Publix Employees place emphasis on $200k-400k loans with 62 originations, totaling $16,130,000 in origination value.
Applicant Income
Publix Employees lent most frequently to those with incomes in the $100k-150k range, with 49 originations. The second most popular income band? $50k-75k, with 35 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 162 | $30,810,000 | $190,185 | $0 | 0.00% |
Publix Employees lent most frequently to those with DTI ratios of Exempt%, with 162 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.25%
Publix Employees has a below average approval rate.
Pick Rate
Approvals leading to origination80.86%
Publix Employees has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 162 | $30,810,000 | $190,185 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 162 | $30,810,000 | $190,185 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Struggling to pay mortgage | 3 | 21.4% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Trouble during payment process | 4 | 28.6% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.1% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 7.1% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 14.3% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 7.1% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Other type of mortgage | Trouble during payment process | 2 | 14.3% |