TOWER Federal Credit Union in Wisconsin vs the state
12.5%Denial rate-1.51 pts vs state
14.3%Decision denial rate-2.07 pts vs state
75.0%Origination rate+6.85 pts vs state
7.00%Median rate+0.38 pts vs state
-0.27Rate spread (pts)-0.39 pts vs state
$174kMedian applicant income
6Loans originated
1Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 4 | 14.3% | 7.75% | #509 |
| 2024 | 11 | 6 | 18.2% | 9.13% | #467 |
| 2025 | 8 | 6 | 12.5% | 7.00% | #519 |
What TOWER Federal Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most TOWER Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brown County | 2 | 2 | 0 | 0.0% |
| Marathon County | 1 | 0 | 1 | 100.0% |
| Winnebago County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| St. Croix County | 1 | 1 | 0 | 0.0% |
| Rock County | 1 | 1 | 0 | 0.0% |
| Door County | 1 | 0 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 8 applications in 2025, of which 6 were originated and 1 denied.
12.5% of all applications, or 14.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans TOWER Federal Credit Union originated in Wisconsin 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 Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology