When to Apply

Hello all. When is it best to apply when transferring? The applications usually open up when classes start (around September) but they aren’t closed until the end of February.
I am a sophomore in college. At the moment I have completed 43 credits and at the end of this semester in December I’ll have 60.
I was wondering if applying before the semester is over would have an impact (they’d see less credits so less to consider and more likely to be denied). I think 43 is closer towards what people usually have after 3 semesters, so I guess I thought my situation is confusing.
Tldr: I have 43 credits right now and a 4.0 but in December I’ll have 60 and possibly won’t get an A in all classes. Should I apply now or wait until I get my grades for the fall semester?

Another detail I should add is I’m majoring in geology. I haven’t taken many STEM courses yet though. I’ve only completed chemistry 1. This semester I’m taking calculus and chemistry 2 as well as discrete math and I plan to take physics 1, calc 2, and a CS course next semester.
Will the lack of STEM affect the decision if I apply to schools like UMich and UW Madison?