Applications / Mortgage Analytics / Lenders / Minnesota / Topline Financial Credit Union
Maple Grove, MN · Credit union · NCUA · $1.1 billion assets · 725 loans in 2025
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725
loans originated, 2025
990
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Topline Financial Credit Union is a Minneapolis-St. Paul credit union, mostly lending for home improvement and other purposes, whose originations rose 14% in 2025, about twice its peers' growth.
Originations rose 14%, from 638 to 725, against 7% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. Its merger with Anoka Hennepin Credit Union in 2024 is one possible contributor.
Home improvement (31.6%) and other purposes (25.5%) made up more than half its loans, ahead of purchase (26.8%) and refinance (16.1%). Its typical loan, $115,000, is close to peers' $105,000, and nearly all its loans were conventional.
Its typical rate was 5.99%, against 7.00% at similar lenders, lower than about nine in ten. Its higher-priced share (a rate well above the average for similar loans) was 0.7%, against 1.7%. It turned down 2.2% of first-lien home-purchase applications on owner-occupied homes, against 6.3% at peers.
LMI (low- and moderate-income) borrowers received 33.7% of its loans, against 27.6% at peers, higher than about three-quarters of them and up from 23.8% five years before. In Minneapolis-St. Paul-Bloomington, MN-WI, where it has reported since before 1990, it ranked 52 of 688 with an unchanged 0.4% share; Bell Bank leads.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Topline Financial Credit Union took 990 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 31.6% · Purchase 26.8% · Other 25.5% · Refinance 16.1%
Conventional 99.9% · VA 0.1% · of 725 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Minnesota | 715 | 98.6% |
| Wisconsin | 10 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 669 |
| St. Cloud | 4 |
| Duluth | 2 |
| Mankato | 1 |
| Rochester | 1 |
| Wausau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z1TH1HE4A6TS23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 465999 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524568 | 1997–2017 |
Established 1 January 1935. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Topline Financial Credit Union's data.
Topline Financial Credit Union's data
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Topline Financial Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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