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 score and performance metrics.

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 an overall pricing score of 63.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Topline Financial Credit Union?

Topline Financial Credit Union is a Credit Union headquartered in Maple Grove, MN.

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Topline Financial Credit Union

Credit Union•Maple Grove, MNHQ•Direct•Reviews near you on Google

Topline Financial Credit Union has 155 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 63.10 basis points below market average

Explore another lender or local market

Report Card

Topline Financial Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 63.1 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

152 loans · 0.60% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

130 loans · 0.61% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

25 loans · 0.81% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Sound	152	98.1%	-0.604%Below	$3,080Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume152

Mix98.1%

Spread

-0.604%Below

Fees

$3,080Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Sound	130	83.9%	-0.606%Below	$3,206Fees
Refinance	Sound	Acceptable	—	Strong	25	16.1%	-0.806%Below	$2,658Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume130

Mix83.9%

Spread

-0.606%Below

Fees

$3,206Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume25

Mix16.1%

Spread

-0.806%Below

Fees

$2,658Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

155

Applications

170

Volume

$47 million

Pricing & Closing

Avg Rate Spread

-0.631%

vs. market APOR

Avg Net Fees

$3,138

Origination − Credits

Pullthrough Rate

91.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$304,419

Avg Borrower Income

$151,839

Avg Property Value

$407,129

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

Top Metro Areas by Place Specialization Score

Minneapolis, MN-WIMetro

Volume 131Mix 84.52% of portfolio

73/100

Strong

Top States by Place Specialization Score

MinnesotaState

Volume 155Mix 100.00% of portfolio

74/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.