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 Improvement loans. Publix Employees has a high proportion of conventional loans. Their top markets by origination volume include: Lakeland, Miami, Tampa, Orlando, and Atlanta among others. We have data for 31 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
303Origination Dollar Volume (All Markets)
$62,335,000Top 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) | 76 | $13,970,000 | $183,816 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 52 | $12,030,000 | $231,346 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 34 | $7,600,000 | $223,529 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 30 | $7,410,000 | $247,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 21 | $3,645,000 | $173,571 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 17 | $3,265,000 | $192,059 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 14 | $2,800,000 | $200,000 | $0 | 0.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 8 | $1,580,000 | $197,500 | $0 | 0.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $1,550,000 | $193,750 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $1,215,000 | $173,571 | $0 | 0.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $0 | 0.00% |
| OCALA, FL (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $0 | 0.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $0 | 0.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 0.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 0.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 0.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 0.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 303 | $62,335,000 | $205,726 | $0 | 0.00% |
For 2021, Publix Employees's most frequently originated type of loan was Conventional, with 303 originations.
Loan Reason
For 2021, Publix Employees's most frequently cited loan purpose was Refi, with 92 originations. The 2nd most popular reason was Cash Out Refi, with 88 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 303 | $62,335,000 | $205,726 | $0 | 0.00% |
For 2021, Publix Employees's most frequently cited loan duration was Other, with 303 originations.
Loan Sizing
2021 saw Publix Employees place emphasis on $100k-200k loans with 128 originations, totaling $19,780,000 in origination value.
Applicant Income
Publix Employees lent most frequently to those with incomes in the $100k-150k range, with 92 originations. The second most popular income band? $50k-75k, with 67 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 303 | $62,335,000 | $205,726 | $0 | 0.00% |
Publix Employees lent most frequently to those with DTI ratios of Exempt%, with 303 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications76.97%
Publix Employees has a below average approval rate.
Pick Rate
Approvals leading to origination67.33%
Publix Employees has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 303 | $62,335,000 | $205,726 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Closing on a mortgage | 2 | 15.4% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Struggling to pay mortgage | 2 | 15.4% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Trouble during payment process | 4 | 30.8% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 2 | 15.4% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Other type of mortgage | Trouble during payment process | 3 | 23.1% |