Topline Financial Credit Union mortgage approval rate & lending review
Topline Financial Credit Union decided 1,469 mortgage applications and funded 1,184 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Topline Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Topline Financial Credit Union at a glance
Approval is 14.4 points above the 71.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 389 / 412 | 94% | $305K | 364 |
| Home improvement loans | 82% | 651 / 791 | 92% | $85K | 602 |
| Cash-out refinance | 83% | 89 / 107 | 96% | $105K | 85 |
| Refinance | 84% | 78 / 93 | 97% | $105K | 76 |
| Investment property purchase | 94% | 51 / 54 | 92% | $285K | 47 |
Topline Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 86% | $85K | 1,467 | 1,182 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Topline Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hennepin County, MN | Home improvement loans | 81% | 372 | 278 |
| Hennepin County, MN | Mortgage lenders | 94% | 194 | 165 |
| Anoka County, MN | Home improvement loans | 84% | 188 | 145 |
| Anoka County, MN | Mortgage lenders | 92% | 77 | 68 |
| Ramsey County, MN | Home improvement loans | 87% | 54 | 43 |
| Hennepin County, MN | Cash-out refinance | 78% | 51 | 39 |
| Wright County, MN | Home improvement loans | 80% | 54 | 37 |
| Hennepin County, MN | Refinance | 86% | 43 | 36 |
| Dakota County, MN | Home improvement loans | 92% | 39 | 32 |
| Anoka County, MN | Cash-out refinance | 87% | 31 | 26 |
| Anoka County, MN | Refinance | 93% | 28 | 26 |
| Washington County, MN | Home improvement loans | 79% | 33 | 26 |
The county markets where Topline Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Topline Financial Credit Union
What is Topline Financial Credit Union's mortgage approval rate?
Topline Financial Credit Union approved 86.3% of the 1,469 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points above the 71.9% national rate for the same mix of loan types.
How often do borrowers take the loan Topline Financial Credit Union offers?
Borrowers accepted 93% of the loans Topline Financial Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Topline Financial Credit Union make?
The typical home improvement loan loan Topline Financial Credit Union made was $85K; across all loan types its typical loan ran from $85K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Topline Financial Credit Union lend?
Topline Financial Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Minnesota, Florida and Wisconsin.
Can I apply to Topline Financial Credit Union directly?
Yes. Topline Financial Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Topline Financial Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Topline Financial Credit Union treats applications, then get a rate quote from the lender.