Compeer Financial Flca Mortgage Rates, Fees & Info

SUN PRAIRIE, WI

LEI: 549300EWFHPBZH38K695

Tax ID: 41-1956286

4.2 stars - Updated: 2/26/24 - out of 5 stars, based on 32 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Compeer Financial Flca is a smaller mortgage company specializing in Home Purchase loans. Compeer Financial Flca has a high proportion of conventional loans. Their top markets by origination volume include: Minneapolis, Duluth, Madison, Chicago, and Mankato among others. We have data for 75 markets. (Some data included below & more in-depth data is available with an active subscription.)

Compeer Financial Flca has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Compeer Financial Flca is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.16% 2/26/24
30 Year Conventional Purchase 7.11% 2/26/24
30 Year Conventional Refi 6.95% 2/26/24
30 Year Cash-out Refi 7.38% 2/26/24
15 Year Conventional Purchase 6.67% 2/26/24
15 Year Conventional Refi 6.17% 2/26/24
15 Year Cash-out Refi 6.17% 2/26/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Compeer Financial Flca Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Compeer Financial Flca. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,004

Origination Dollar Volume (All Markets)

$254,890,000

Awards

COMPEER FINANCIAL FLCA 30 Year Conventional Loans bronze
Show all (1) awards

Relative Rate

Compeer Financial Flca's average 30 year fixed mortgage rate was 5.9%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 1.14%.

Relative Fees (Closing Costs)

Compeer Financial Flca's average total fees/closing costs for a 30 year fixed rate mortgage were $3,892.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 334 $74,560,000 $223,234 $3,026 5.74%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 96 $29,660,000 $308,958 $4,112 5.71%
DULUTH, MN-WI (FHA|USDA|VA) 37 $9,635,000 $260,405 $3,448 5.28%
MADISON, WI (FHA|USDA|VA) 32 $9,240,000 $288,750 $3,256 5.90%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 35 $8,595,000 $245,571 $4,034 5.65%
MANKATO, MN (FHA|USDA|VA) 32 $8,240,000 $257,500 $3,230 5.19%
ST. CLOUD, MN (FHA|USDA|VA) 27 $8,165,000 $302,407 $3,515 5.39%
ROCHESTER, MN (FHA|USDA|VA) 39 $7,985,000 $204,744 $3,352 5.89%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 27 $7,055,000 $261,296 $3,371 5.07%
FOND DU LAC, WI (FHA|USDA|VA) 22 $5,800,000 $263,636 $3,064 5.45%
Baraboo, WI (FHA|USDA|VA) 16 $5,510,000 $344,375 $3,246 5.76%
EAU CLAIRE, WI (FHA|USDA|VA) 18 $4,470,000 $248,333 $2,225 5.53%
Worthington, MN (FHA|USDA|VA) 13 $3,595,000 $276,538 $4,336 5.57%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 7 $3,375,000 $482,143 $2,241 5.41%
Faribault-Northfield, MN (FHA|USDA|VA) 12 $3,350,000 $279,167 $3,408 5.76%
SHEBOYGAN, WI (FHA|USDA|VA) 10 $3,140,000 $314,000 $3,821 5.41%
Brainerd, MN (FHA|USDA|VA) 13 $3,135,000 $241,154 $3,871 6.19%
PEORIA, IL (FHA|USDA|VA) 11 $3,095,000 $281,364 $3,351 5.88%
Beaver Dam, WI (FHA|USDA|VA) 11 $2,935,000 $266,818 $2,894 5.83%
Ottawa, IL (FHA|USDA|VA) 13 $2,795,000 $215,000 $3,575 5.34%
Owatonna, MN (FHA|USDA|VA) 11 $2,785,000 $253,182 $3,914 6.39%
Albert Lea, MN (FHA|USDA|VA) 15 $2,745,000 $183,000 $2,547 5.47%
Whitewater, WI (FHA|USDA|VA) 6 $2,620,000 $436,667 $2,619 4.58%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $2,310,000 $385,000 $4,580 5.58%
ROCKFORD, IL (FHA|USDA|VA) 8 $2,310,000 $288,750 $3,522 5.28%
Austin, MN (FHA|USDA|VA) 8 $2,140,000 $267,500 $4,825 5.62%
Red Wing, MN (FHA|USDA|VA) 12 $2,110,000 $175,833 $2,944 5.90%
Freeport, IL (FHA|USDA|VA) 8 $1,830,000 $228,750 $2,605 5.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 9 $1,755,000 $195,000 $2,811 5.89%
Hutchinson, MN (FHA|USDA|VA) 5 $1,735,000 $347,000 $4,787 5.69%
RACINE, WI (FHA|USDA|VA) 5 $1,705,000 $341,000 $4,663 5.17%
New Ulm, MN (FHA|USDA|VA) 5 $1,695,000 $339,000 $5,834 4.35%
Platteville, WI (FHA|USDA|VA) 4 $1,600,000 $400,000 $3,923 5.22%
Menomonie, WI (FHA|USDA|VA) 9 $1,565,000 $173,889 $2,379 5.58%
Sterling, IL (FHA|USDA|VA) 6 $1,540,000 $256,667 $3,614 4.75%
APPLETON, WI (FHA|USDA|VA) 5 $1,535,000 $307,000 $1,533 5.54%
Macomb, IL (FHA|USDA|VA) 5 $1,265,000 $253,000 $4,052 5.33%
Fairmont, MN (FHA|USDA|VA) 7 $1,175,000 $167,857 $2,917 5.20%
Willmar, MN (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $9,870 5.75%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 5 $1,145,000 $229,000 $1,376 6.65%
Quincy, IL-MO (FHA|USDA|VA) 3 $1,125,000 $375,000 $6,534 5.00%
Fergus Falls, MN (FHA|USDA|VA) 4 $930,000 $232,500 $1,657 5.28%
Rochelle, IL (FHA|USDA|VA) 5 $835,000 $167,000 $2,615 6.21%
Galesburg, IL (FHA|USDA|VA) 4 $810,000 $202,500 $2,022 5.49%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $755,000 $755,000 $4,060 6.88%
Pontiac, IL (FHA|USDA|VA) 2 $700,000 $350,000 $1,667 6.88%
KANKAKEE, IL (FHA|USDA|VA) 3 $615,000 $205,000 $2,645 6.27%
BLOOMINGTON, IL (FHA|USDA|VA) 4 $610,000 $152,500 $1,622 6.28%
Mason City, IA (FHA|USDA|VA) 2 $530,000 $265,000 $2,341 6.19%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $455,000 $455,000 $7,263 6.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $445,000 $445,000 $5,005 4.38%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $395,000 $395,000 $0 6.50%
Spirit Lake, IA (FHA|USDA|VA) 1 $365,000 $365,000 $4,557 6.88%
Grand Rapids, MN (FHA|USDA|VA) 2 $360,000 $180,000 $3,301 5.19%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $345,000 $345,000 $5,090 4.75%
Marshall, MN (FHA|USDA|VA) 2 $330,000 $165,000 $2,356 4.43%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $325,000 $325,000 $8,711 7.50%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $325,000 $325,000 $5,182 3.38%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 2 $300,000 $150,000 $2,644 5.88%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $295,000 $295,000 $7,840 5.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $295,000 $295,000 $0 7.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $295,000 $295,000 $2,472 4.25%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $285,000 $285,000 $3,996 5.63%
Wahpeton, ND-MN (FHA|USDA|VA) 1 $255,000 $255,000 $2,670 4.88%
Manitowoc, WI (FHA|USDA|VA) 2 $240,000 $120,000 $1,559 6.36%
Marinette, WI-MI (FHA|USDA|VA) 2 $230,000 $115,000 $2,545 6.43%
LUBBOCK, TX (FHA|USDA|VA) 1 $215,000 $215,000 $6,042 5.00%
AMARILLO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,885 6.88%
Bemidji, MN (FHA|USDA|VA) 1 $205,000 $205,000 $2,925 4.00%
Brookings, SD (FHA|USDA|VA) 1 $195,000 $195,000 $3,613 6.63%
Warsaw, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,720 5.75%
WACO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,189 3.75%
Granbury, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,559 7.25%
RAPID CITY, SD (FHA|USDA|VA) 1 $105,000 $105,000 $1,608 3.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $65,000 $65,000 $2,955 6.13%
Compeer Financial Flca's top markets include Minneapolis, Duluth, Madison, Chicago, and Mankato among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • South Dakota (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against COMPEER FINANCIAL FLCA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Savings Bank of Hegewisch
    Similarity Rank: 30
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    FOND DU LAC
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    Marine Bank
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    Liberty Bank for Savings
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    Fox Valley Savings Bank
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    Western National Bank
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    Goodfield State Bank
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    DuTrac Community Credit Union
    Similarity Rank: 220

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 936 $248,690,000 $265,694 $3,345 5.64%
    HELOC 68 $6,200,000 $91,176 n/a 5.61%

    For 2022, Compeer Financial Flca's most frequently originated type of loan was Conventional, with 936 originations. Their 2nd most popular type was HELOC, with 68 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 584 $176,700,000 $302,568 $3,626 5.73%
    Cash Out Refi 179 $42,705,000 $238,575 $3,356 5.27%
    Home Improvement 100 $10,050,000 $100,500 $1,663 6.04%
    Refi 81 $19,295,000 $238,210 $3,703 4.81%
    Other 60 $6,140,000 $102,333 $1,452 6.26%

    For 2022, Compeer Financial Flca's most frequently cited loan purpose was Home Purchase, with 584 originations. The 2nd most popular reason was Cash Out Refi, with 179 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 475 $134,265,000 $282,663 $3,892 5.90%
    30+ year 178 $79,540,000 $446,854 $4,688 4.85%
    Other 115 $9,095,000 $79,087 $1,105 6.29%
    10 Year 95 $8,835,000 $93,000 $2,084 5.54%
    15 Year 79 $12,965,000 $164,114 $2,753 4.95%
    20 Year 60 $9,400,000 $156,667 $3,120 5.69%
    1 Year 2 $790,000 $395,000 $0 6.63%

    For 2022, Compeer Financial Flca's most frequently cited loan duration was 30 Year, with 475 originations. The 2nd most popular length was 30+ year, with 178 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 316 $62,630,000 $198,196
    $<1k 264 $50,480,000 $191,212
    $2k-3k 176 $51,420,000 $292,159
    $3k-4k 97 $37,755,000 $389,227
    $4k-5k 44 $22,590,000 $513,409
    $5k+ 38 $23,790,000 $626,053

    Compeer Financial Flca's average total fees were $3,892, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 316 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 252 $63,960,000 $253,810
    6-7% 238 $57,290,000 $240,714
    5-6% 215 $56,745,000 $263,930
    3-4% 127 $44,255,000 $348,465
    7-8% 125 $25,785,000 $206,280
    Over 8% 38 $5,080,000 $133,684
    2.5-3% 5 $785,000 $157,000
    <2.5% 4 $990,000 $247,500

    During 2022, Compeer Financial Flca's average interest rate for loans was 5.90%, while their most frequently originated rate bucket for loans was 4-5%, with 252 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 353 $100,385,000 $284,377 $3,928 5.47%
    $100,000 or less 236 $12,590,000 $53,347 $1,328 6.08%
    $100k-200k 223 $32,885,000 $147,466 $2,827 5.73%
    $400k-600k 137 $65,515,000 $478,212 $5,050 5.25%
    $600k-1MM 45 $31,755,000 $705,667 $5,865 5.44%
    $1MM+ 10 $11,760,000 $1,176,000 $9,422 5.14%

    2022 saw Compeer Financial Flca place emphasis on $200k-400k loans with 353 originations, totaling $100,385,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 289 $76,165,000 $263,547 $3,457 5.65%
    $150k-250k 208 $67,120,000 $322,692 $3,684 5.74%
    $75k-100k 181 $36,165,000 $199,807 $2,954 5.63%
    $50k-75k 169 $28,085,000 $166,183 $2,993 5.49%
    $250k+ 92 $39,590,000 $430,326 $4,377 5.84%
    $50k or less 65 $7,765,000 $119,462 $2,593 5.39%

    Compeer Financial Flca lent most frequently to those with incomes in the $100k-150k range, with 289 originations. The second most popular income band? $150k-250k, with 208 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 229 $55,575,000 $242,686 $3,333 5.71%
    20-30% 220 $49,090,000 $223,136 $3,180 5.53%
    <20% 86 $17,640,000 $205,116 $3,176 5.48%
    42% 82 $26,390,000 $321,829 $3,323 5.63%
    38% 53 $13,475,000 $254,245 $3,259 5.69%
    39% 48 $13,890,000 $289,375 $3,266 5.52%
    40% 48 $11,790,000 $245,625 $3,281 5.70%
    41% 43 $12,505,000 $290,814 $3,262 5.64%
    37% 42 $9,750,000 $232,143 $3,333 5.79%
    44% 35 $10,665,000 $304,714 $3,921 5.60%
    36% 33 $8,675,000 $262,879 $3,756 5.53%
    43% 26 $8,200,000 $315,385 $3,593 5.53%
    45% 16 $5,430,000 $339,375 $4,149 6.10%
    47% 14 $4,190,000 $299,286 $2,981 6.30%
    46% 13 $3,565,000 $274,231 $3,648 6.21%
    48% 8 $2,340,000 $292,500 $5,142 5.82%
    49% 3 $835,000 $278,333 $2,868 5.63%
    >60% 3 $455,000 $151,667 $2,833 5.21%
    50-60% 2 $430,000 $215,000 $3,233 4.69%

    Compeer Financial Flca lent most frequently to those with DTI ratios of 30-36%, with 229 originations. The next most common DTI ratio? 20-30%, with 220 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 953 $240,385,000 $252,240 $3,321 5.62%
    Not provided 41 $11,525,000 $281,098 $3,659 5.96%
    American Indian 6 $1,960,000 $326,667 $3,828 6.05%
    Asian 3 $695,000 $231,667 $2,927 6.25%
    Black 1 $325,000 $325,000 $8,711 7.50%

    Approval Rates

    Total approvals of all applications
    89.58%

    Compeer Financial Flca has an average approval rate.

    Pick Rate

    Approvals leading to origination
    61.55%

    Compeer Financial Flca has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,004 $254,890,000 $253,875

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,004 $254,890,000 $253,875

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 118 $16,870,000 $142,966 $2,496 5.74%
    40-60% 122 $33,000,000 $270,492 $3,547 5.26%
    60-80% 274 $89,750,000 $327,555 $4,005 5.41%
    80-100% 328 $104,770,000 $319,421 $3,976 5.66%
    Under 20% 162 $10,500,000 $64,815 $1,056 6.19%