TOWER Federal Credit Union received 5,952 applications in 2025 and made
3,617 mortgages, in 538 counties across 48 states.
The median rate its borrowers got was 7.000% on a median loan of $155,000.
Of 5,303 decisions, 1,612 were denials — 30.4%, most often for debt-to-income ratio.
Legal Entity Identifier
54930080168VA6Z8UX21
Applications received
5,952
Mortgages made
3,617
Denied
1,612
Approved, not taken up
74
Withdrawn or incomplete
649
Loans bought from other lenders
0
Median rate spread over the prime offer rate
-0.2 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
590
6.750%
$255,000
22.3%
Refinancing
81
5.375%
$495,000
20.0%
Cash-out refinancing
800
7.000%
$205,000
27.7%
Other purposes
2,146
7.000%
$125,000
33.6%
Where TOWER Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When TOWER Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.