TOPLINE FINANCIAL CREDIT UNION
TOPLINE FINANCIAL CREDIT UNION received 990 applications in 2025 and made 725 mortgages, in 46 counties across 2 states. The median rate its borrowers got was 5.990% on a median loan of $115,000. Of 948 decisions, 167 were denials — 17.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Z1TH1HE4A6TS23 |
|---|---|
| Applications received | 990 |
| Mortgages made | 725 |
| Denied | 167 |
| Approved, not taken up | 56 |
| Withdrawn or incomplete | 42 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.1295 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 194 | 5.990% | $310,000 | 3.9% |
| Refinancing | 32 | 6.925% | $95,000 | 15.8% |
| Cash-out refinancing | 85 | 5.990% | $125,000 | 16.0% |
| Other purposes | 414 | 5.990% | $85,000 | 22.7% |
Where TOPLINE FINANCIAL CREDIT UNION lends most
The 46 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hennepin County, MN | 260 | 5.990% | 17.2% |
| Anoka County, MN | 147 | 5.990% | 20.1% |
| Washington County, MN | 50 | 5.990% | 14.8% |
| Ramsey County, MN | 48 | 5.990% | 13.1% |
| Dakota County, MN | 41 | 5.990% | 10.9% |
| Wright County, MN | 40 | 5.990% | 14.8% |
| Sherburne County, MN | 25 | 5.990% | 10.0% |
| Chisago County, MN | 17 | 6.500% | 32.0% |
| Carver County, MN | 15 | 5.990% | 25.0% |
| Scott County, MN | 9 | Under 10 loans | 31.3% |
| Crow Wing County, MN | 8 | Under 10 loans | 0.0% |
| Isanti County, MN | 7 | Under 10 loans | 56.3% |
| St. Croix County, WI | 5 | Under 10 loans | 16.7% |
| Lake County, MN | 3 | Under 10 loans | 0.0% |
| Le Sueur County, MN | 3 | Under 10 loans | 0.0% |
| Renville County, MN | 3 | Under 10 loans | 0.0% |
| Rice County, MN | 3 | Under 10 loans | 0.0% |
| Aitkin County, MN | 2 | Under 10 loans | 0.0% |
| Benton County, MN | 2 | Under 10 loans | 0.0% |
| Cass County, MN | 2 | Under 10 loans | 60.0% |
| Chippewa County, MN | 2 | Under 10 loans | 0.0% |
| Itasca County, MN | 2 | Under 10 loans | 0.0% |
| Kandiyohi County, MN | 2 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 2 | Under 10 loans | 33.3% |
| Morrison County, MN | 2 | Under 10 loans | 0.0% |
| Pine County, MN | 2 | Under 10 loans | 0.0% |
| Redwood County, MN | 2 | Under 10 loans | 50.0% |
| Sibley County, MN | 2 | Under 10 loans | 0.0% |
| Stearns County, MN | 2 | Under 10 loans | 0.0% |
| Burnett County, WI | 2 | Under 10 loans | 0.0% |
| Beltrami County, MN | 1 | Under 10 loans | 0.0% |
| Brown County, MN | 1 | Under 10 loans | 0.0% |
| Goodhue County, MN | 1 | Under 10 loans | 0.0% |
| Grant County, MN | 1 | Under 10 loans | 0.0% |
| Kanabec County, MN | 1 | Under 10 loans | 0.0% |
| McLeod County, MN | 1 | Under 10 loans | 0.0% |
| Martin County, MN | 1 | Under 10 loans | 0.0% |
| Meeker County, MN | 1 | Under 10 loans | 0.0% |
| Nicollet County, MN | 1 | Under 10 loans | 0.0% |
| Olmsted County, MN | 1 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| Marathon County, WI | 1 | Under 10 loans | 0.0% |
| Polk County, WI | 1 | Under 10 loans | 0.0% |
| Todd County, MN | 0 | Under 10 loans | 50.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.