Topline Financial Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
73rd17.6% deniedPricingmedian rate spread over APOR, weight 30%
86th-1.13 ptsProcesswithdrawn + incomplete share, weight 15%
91st4.2%Closing coststotal loan costs ÷ loan amount, weight 10%
27th4.06% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 788 | 605 | 14.6% | 15.1% | 7.54% | $93M |
| 2024 | 878 | 638 | 16.3% | 16.9% | 6.49% | $96M |
| 2025 | 990 | 725 | 16.9% | 17.6% | 5.99% | $124M |
What Topline Financial Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 496 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 47 investment properties.
Why Topline Financial Credit Union denies applications
Primary reason reported for each of the 167 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Topline Financial Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 71 | 32 | 44.8% |
| $50k – $100k | 276 | 188 | 24.7% |
| $100k – $150k | 249 | 200 | 13.5% |
| $150k – $250k | 272 | 211 | 12.2% |
| Over $250k | 115 | 93 | 4.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 86 | 73 | 8.5% |
| 35–44 | 251 | 181 | 17.5% |
| 45–54 | 262 | 193 | 17.9% |
| 55–64 | 213 | 147 | 21.7% |
| 65–74 | 120 | 91 | 14.5% |
| Over 74 | 44 | 28 | 24.4% |
Where Topline Financial Credit Union lends
2 states and 46 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Topline Financial Credit Union denied 17.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of home-equity (HELOC) lenders.
The most common reason Topline Financial Credit Union gave in 2025 was "debt-to-income ratio", cited on 64.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Topline Financial Credit Union originated in 2025 was 5.99%, and its median rate spread over the average prime offer rate was -1.13 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 22% of its applications were for home purchases, 15% for refinancing (including cash-out), and 64% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.