TOWER Federal Credit Union in Missouri vs the state
26.7%Denial rate+11.60 pts vs state
33.3%Decision denial rate+14.63 pts vs state
46.7%Origination rate-15.99 pts vs state
8.00%Median rate+1.38 pts vs state
0.90Rate spread (pts)+0.55 pts vs state
$137kMedian applicant income
7Loans originated
4Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 16.7% | 8.50% | #564 |
| 2024 | 11 | 5 | 45.5% | 9.00% | #479 |
| 2025 | 15 | 7 | 26.7% | 8.00% | #474 |
What TOWER Federal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most TOWER Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Charles County | 4 | 2 | 1 | 25.0% |
| Jackson County | 3 | 1 | 0 | 0.0% |
| Boone County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 0 | 1 | 50.0% |
| Butler County | 1 | 0 | 1 | 100.0% |
| Crawford County | 1 | 0 | 1 | 100.0% |
| Platte County | 1 | 1 | 0 | 0.0% |
| Cole County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 15 applications in 2025, of which 7 were originated and 4 denied.
26.7% of all applications, or 33.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans TOWER Federal Credit Union originated in Missouri in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are TOWER Federal Credit Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology