Compeer Financial Flca Mortgage Rates, Fees & Info
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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, Rochester, Peoria, and Chicago among others. We have data for 68 markets. (Some data included below & more in-depth data is available with an active subscription.)Compeer Financial Flca has an above 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.16% | 4/21/24 |
| 30 Year Conventional Purchase | 7.11% | 4/21/24 |
| 30 Year Conventional Refi | 6.95% | 4/21/24 |
| 30 Year Cash-out Refi | 7.38% | 4/21/24 |
| 15 Year Conventional Purchase | 6.67% | 4/21/24 |
| 15 Year Conventional Refi | 6.17% | 4/21/24 |
| 15 Year Cash-out Refi | 6.17% | 4/21/24 |
| 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
824Origination Dollar Volume (All Markets)
$193,620,000Relative Rate
Compeer Financial Flca's average 30 year fixed mortgage rate was
7.84%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 1.36%.
Relative Fees (Closing Costs)
Compeer Financial Flca's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,790.
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 $9,089.
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 | 291 | $58,345,000 | $200,498 | $3,123 | 7.93% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 60 | $20,070,000 | $334,500 | $4,301 | 7.79% |
| DULUTH, MN-WI (FHA|USDA|VA) | 42 | $9,940,000 | $236,667 | $4,181 | 7.83% |
| ROCHESTER, MN (FHA|USDA|VA) | 31 | $7,535,000 | $243,065 | $3,943 | 7.79% |
| PEORIA, IL (FHA|USDA|VA) | 22 | $6,380,000 | $290,000 | $3,320 | 7.91% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 23 | $5,555,000 | $241,522 | $4,375 | 8.11% |
| FOND DU LAC, WI (FHA|USDA|VA) | 27 | $5,085,000 | $188,333 | $2,735 | 7.92% |
| MADISON, WI (FHA|USDA|VA) | 25 | $4,855,000 | $194,200 | $2,756 | 7.89% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 19 | $4,735,000 | $249,211 | $3,027 | 7.82% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 16 | $4,640,000 | $290,000 | $3,556 | 8.09% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 10 | $4,200,000 | $420,000 | $4,019 | 8.06% |
| MANKATO, MN (FHA|USDA|VA) | 15 | $4,185,000 | $279,000 | $2,715 | 7.74% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 11 | $3,765,000 | $342,273 | $3,371 | 7.96% |
| Ottawa, IL (FHA|USDA|VA) | 15 | $3,605,000 | $240,333 | $3,409 | 8.20% |
| ST. CLOUD, MN (FHA|USDA|VA) | 15 | $3,305,000 | $220,333 | $3,464 | 7.74% |
| Red Wing, MN (FHA|USDA|VA) | 9 | $2,695,000 | $299,444 | $3,287 | 7.17% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 10 | $2,660,000 | $266,000 | $3,037 | 8.02% |
| Worthington, MN (FHA|USDA|VA) | 7 | $2,375,000 | $339,286 | $4,794 | 7.75% |
| Winona, MN (FHA|USDA|VA) | 5 | $2,065,000 | $413,000 | $6,441 | 7.93% |
| Brainerd, MN (FHA|USDA|VA) | 7 | $2,005,000 | $286,429 | $4,827 | 7.64% |
| Albert Lea, MN (FHA|USDA|VA) | 12 | $1,800,000 | $150,000 | $2,545 | 7.73% |
| Menomonie, WI (FHA|USDA|VA) | 8 | $1,780,000 | $222,500 | $3,559 | 8.31% |
| RACINE, WI (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $3,907 | 8.09% |
| Freeport, IL (FHA|USDA|VA) | 8 | $1,630,000 | $203,750 | $3,151 | 8.27% |
| Rochelle, IL (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $4,414 | 7.88% |
| Beaver Dam, WI (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $3,075 | 7.77% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $2,922 | 8.08% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 8 | $1,360,000 | $170,000 | $2,548 | 8.00% |
| Fairmont, MN (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $3,756 | 7.68% |
| APPLETON, WI (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $2,981 | 7.75% |
| ROCKFORD, IL (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $3,955 | 8.06% |
| Platteville, WI (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $3,504 | 8.17% |
| New Ulm, MN (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $2,813 | 7.91% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $2,878 | 8.34% |
| Pontiac, IL (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $2,773 | 7.96% |
| Baraboo, WI (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $4,323 | 8.00% |
| Dixon, IL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,753 | 7.81% |
| Quincy, IL-MO (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $2,848 | 7.83% |
| Shawano, WI (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $6,192 | 7.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $6,315 | 7.63% |
| Austin, MN (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,151 | 7.76% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $3,531 | 9.08% |
| Hutchinson, MN (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $2,597 | 7.91% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,553 | 8.18% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $5,169 | 7.38% |
| Marshall, MN (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,297 | 7.13% |
| Owatonna, MN (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,017 | 8.44% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,288 | 7.38% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,715 | 8.25% |
| Willmar, MN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,944 | 7.44% |
| Galesburg, IL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,814 | 7.73% |
| Sterling, IL (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $2,569 | 7.96% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,118 | 7.63% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,179 | 7.60% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,995 | 7.88% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,178 | 7.63% |
| Burlington, IA-IL (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $1,351 | 8.23% |
| KANKAKEE, IL (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $2,254 | 7.86% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,523 | 7.63% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,995 | 7.38% |
| Manitowoc, WI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,591 | 7.49% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,206 | 7.25% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,972 | 8.63% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,816 | 7.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,024 | 8.13% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,691 | 8.13% |
| Macomb, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,180 | 7.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,953 | 7.13% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 780 | $189,580,000 | $243,051 | $3,415 | 7.86% |
| HELOC | 44 | $4,040,000 | $91,818 | n/a | 8.76% |
For 2023, Compeer Financial Flca's most frequently originated type of loan was Conventional, with 780 originations. Their 2nd most popular type was HELOC, with 44 originations.
Loan Reason
For 2023, Compeer Financial Flca's most frequently cited loan purpose was Home Purchase, with 564 originations. The 2nd most popular reason was Home Improvement, with 120 originations.
Loan Duration/Length
For 2023, Compeer Financial Flca's most frequently cited loan duration was 30 Year, with 387 originations. The 2nd most popular length was 30+ year, with 181 originations.
Origination Fees/Closing Costs
Compeer Financial Flca's average total fees were $3,790, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 273 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 508 | $127,660,000 | $251,299 |
| Over 8% | 274 | $56,200,000 | $205,109 |
| 6-7% | 37 | $8,845,000 | $239,054 |
| 5-6% | 4 | $880,000 | $220,000 |
| <2.5% | 1 | $35,000 | $35,000 |
During 2023, Compeer Financial Flca's average interest rate for loans was 7.84%, while their most frequently originated rate bucket for loans was 7-8%, with 508 originations.
Loan Sizing
2023 saw Compeer Financial Flca place emphasis on $200k-400k loans with 254 originations, totaling $72,600,000 in origination value.
Applicant Income
Compeer Financial Flca lent most frequently to those with incomes in the $100k-150k range, with 245 originations. The second most popular income band? $150k-250k, with 195 originations.
Applicant Debt to Income Ratio
Compeer Financial Flca lent most frequently to those with DTI ratios of 20-30%, with 153 originations. The next most common DTI ratio? 30-36%, with 152 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.15%
Compeer Financial Flca has an average approval rate.
Pick Rate
Approvals leading to origination60.80%
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 | 824 | $193,620,000 | $234,976 |