TOWER Federal Credit Union in Georgia vs the state
30.6%Denial rate+11.34 pts vs state
35.5%Decision denial rate+10.41 pts vs state
55.6%Origination rate+1.47 pts vs state
7.00%Median rate+0.38 pts vs state
-0.17Rate spread (pts)-0.44 pts vs state
$165kMedian applicant income
60Loans originated
33Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 51 | 36.4% | 7.00% | #319 |
| 2024 | 141 | 80 | 31.2% | 7.87% | #276 |
| 2025 | 108 | 60 | 30.6% | 7.00% | #326 |
What TOWER Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most TOWER Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 24 | 10 | 9 | 37.5% |
| DeKalb County | 15 | 8 | 4 | 26.7% |
| Cobb County | 13 | 10 | 3 | 23.1% |
| Gwinnett County | 9 | 3 | 5 | 55.6% |
| Cherokee County | 8 | 7 | 1 | 12.5% |
| Forsyth County | 5 | 4 | 0 | 0.0% |
| Paulding County | 5 | 3 | 2 | 40.0% |
| Columbia County | 3 | 3 | 0 | 0.0% |
| Chatham County | 3 | 3 | 0 | 0.0% |
| Henry County | 2 | 0 | 2 | 100.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 108 applications in 2025, of which 60 were originated and 33 denied.
30.6% of all applications, or 35.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans TOWER Federal Credit Union originated in Georgia in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are TOWER Federal Credit Union's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology