TOWER Federal Credit Union in Ohio vs the state
37.5%Denial rate+19.81 pts vs state
42.9%Decision denial rate+20.97 pts vs state
50.0%Origination rate-9.90 pts vs state
7.75%Median rate+0.88 pts vs state
1.03Rate spread (pts)+0.64 pts vs state
$132kMedian applicant income
16Loans originated
12Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 22 | 44.2% | 7.49% | #419 |
| 2024 | 24 | 18 | 20.8% | 8.75% | #497 |
| 2025 | 32 | 16 | 37.5% | 7.75% | #463 |
What TOWER Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most TOWER Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 6 | 1 | 4 | 66.7% |
| Delaware County | 3 | 1 | 1 | 33.3% |
| Summit County | 3 | 2 | 1 | 33.3% |
| Franklin County | 3 | 2 | 1 | 33.3% |
| Lucas County | 2 | 1 | 1 | 50.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Muskingum County | 2 | 2 | 0 | 0.0% |
| Medina County | 2 | 1 | 1 | 50.0% |
| Butler County | 2 | 1 | 0 | 0.0% |
| Hamilton County | 1 | 0 | 1 | 100.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 32 applications in 2025, of which 16 were originated and 12 denied.
37.5% of all applications, or 42.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans TOWER Federal Credit Union originated in Ohio in 2025 was 7.75%, against a statewide median of 6.88%.
About this data. Figures are TOWER Federal Credit Union's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology