# TOPLINE FINANCIAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/topline-financial-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

TOPLINE FINANCIAL CREDIT UNION is a credit union, headquartered in Maple Grove, MN, with 155 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 36% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Z1TH1HE4A6TS23
- **Headquarters:** Maple Grove, MN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.631%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,138
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 155
- **Dollar Volume:** $47 million
- **Applications Received:** 170
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $304,419
- **Average Borrower Income:** $151,839

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 152 | -0.604% | $3,080 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 127 loans, Score: 39/100 (Acceptable)
- Refinance: 25 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 130 | $42M | -0.606% | Acceptable 🙂 |
| Refinance | 37/100 | 25 | $5M | -0.806% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 155 | 0.24% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Minneapolis | MN-WI | 131 | 73/100 |
| Non |  | 19 | 33/100 |

## Frequently Asked Questions

### What loan types does TOPLINE FINANCIAL CREDIT UNION offer?

TOPLINE FINANCIAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TOPLINE FINANCIAL CREDIT UNION offer mortgages?

TOPLINE FINANCIAL CREDIT UNION offers mortgages in 1 states: MN.

### How competitive are TOPLINE FINANCIAL CREDIT UNION's mortgage rates?

TOPLINE FINANCIAL CREDIT UNION has a pricing score of 64/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.631% below market average.

### What type of lender is TOPLINE FINANCIAL CREDIT UNION?

TOPLINE FINANCIAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Maple Grove, MN.

### What is TOPLINE FINANCIAL CREDIT UNION's loan approval success rate?

TOPLINE FINANCIAL CREDIT UNION has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/topline-financial-credit-union

### How to Cite

> "TOPLINE FINANCIAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/topline-financial-credit-union

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