Compeer Financial Flca Mortgage Rates, Fees & Info
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Tax ID: 41-1956286
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Mortgage Data
Review & Overview
Compeer Financial Flca is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Compeer Financial Flca has a high proportion of conventional loans. Their top markets by origination volume include: Minneapolis, Duluth, Mankato, Madison, and Rochester among others. We have data for 66 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.16% | 11/21/24 |
| 30 Year Conventional Purchase | 7.11% | 11/21/24 |
| 30 Year Conventional Refi | 6.95% | 11/21/24 |
| 30 Year Cash-out Refi | 7.38% | 11/21/24 |
| 15 Year Conventional Purchase | 6.67% | 11/21/24 |
| 15 Year Conventional Refi | 6.17% | 11/21/24 |
| 15 Year Cash-out Refi | 6.17% | 11/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
901Origination Dollar Volume (All Markets)
$186,235,000Top 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 | 270 | $48,190,000 | $178,481 | $3,567 | 5.46% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 99 | $24,465,000 | $247,121 | $4,577 | 5.35% |
| DULUTH, MN-WI (FHA|USDA|VA) | 46 | $10,830,000 | $235,435 | $5,076 | 5.45% |
| MANKATO, MN (FHA|USDA|VA) | 35 | $8,925,000 | $255,000 | $4,939 | 5.15% |
| MADISON, WI (FHA|USDA|VA) | 31 | $7,935,000 | $255,968 | $3,295 | 5.33% |
| ROCHESTER, MN (FHA|USDA|VA) | 36 | $6,610,000 | $183,611 | $4,072 | 5.43% |
| ST. CLOUD, MN (FHA|USDA|VA) | 26 | $5,980,000 | $230,000 | $4,713 | 5.33% |
| Baraboo, WI (FHA|USDA|VA) | 22 | $4,920,000 | $223,636 | $3,497 | 5.57% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 23 | $4,685,000 | $203,696 | $3,541 | 5.55% |
| Beaver Dam, WI (FHA|USDA|VA) | 21 | $4,185,000 | $199,286 | $3,072 | 5.47% |
| FOND DU LAC, WI (FHA|USDA|VA) | 19 | $3,955,000 | $208,158 | $3,028 | 5.44% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 16 | $3,920,000 | $245,000 | $2,742 | 5.46% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 17 | $3,715,000 | $218,529 | $3,639 | 4.98% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 16 | $3,590,000 | $224,375 | $2,760 | 5.24% |
| Albert Lea, MN (FHA|USDA|VA) | 14 | $2,900,000 | $207,143 | $4,361 | 5.27% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 9 | $2,845,000 | $316,111 | $3,666 | 5.51% |
| Owatonna, MN (FHA|USDA|VA) | 14 | $2,640,000 | $188,571 | $3,791 | 5.59% |
| RACINE, WI (FHA|USDA|VA) | 8 | $2,570,000 | $321,250 | $2,433 | 5.05% |
| Red Wing, MN (FHA|USDA|VA) | 7 | $2,195,000 | $313,571 | $5,733 | 4.93% |
| Platteville, WI (FHA|USDA|VA) | 10 | $2,050,000 | $205,000 | $2,972 | 5.31% |
| Whitewater, WI (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $3,476 | 5.20% |
| New Ulm, MN (FHA|USDA|VA) | 10 | $1,730,000 | $173,000 | $3,637 | 5.50% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 9 | $1,685,000 | $187,222 | $2,926 | 5.84% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 11 | $1,665,000 | $151,364 | $2,652 | 5.57% |
| PEORIA, IL (FHA|USDA|VA) | 8 | $1,500,000 | $187,500 | $2,361 | 5.19% |
| KANKAKEE, IL (FHA|USDA|VA) | 8 | $1,300,000 | $162,500 | $2,705 | 5.41% |
| Fairmont, MN (FHA|USDA|VA) | 9 | $1,245,000 | $138,333 | $3,647 | 5.50% |
| Worthington, MN (FHA|USDA|VA) | 7 | $1,205,000 | $172,143 | $4,053 | 5.28% |
| Fergus Falls, MN (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $4,435 | 5.58% |
| APPLETON, WI (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $2,784 | 5.38% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $5,247 | 5.21% |
| Rochelle, IL (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $2,189 | 5.50% |
| Menomonie, WI (FHA|USDA|VA) | 7 | $985,000 | $140,714 | $3,416 | 5.38% |
| Brainerd, MN (FHA|USDA|VA) | 7 | $905,000 | $129,286 | $3,629 | 5.40% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $2,555 | 5.81% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $5,791 | 5.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $3,196 | 4.94% |
| Hutchinson, MN (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $4,237 | 5.50% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $2,573 | 5.23% |
| Austin, MN (FHA|USDA|VA) | 6 | $640,000 | $106,667 | $3,464 | 5.80% |
| Marshall, MN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,980 | 4.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,232 | 5.08% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,303 | 5.38% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,152 | 5.63% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,796 | 5.69% |
| Dixon, IL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,183 | 5.94% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,233 | 6.13% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,808 | 5.50% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,569 | 4.50% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,549 | 5.88% |
| Ottawa, IL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,265 | 6.13% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,372 | 5.10% |
| Willmar, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,875 | 4.63% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,271 | 5.13% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,803 | 4.75% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,383 | 4.88% |
| Winona, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,438 | 5.88% |
| Freeport, IL (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $1,367 | 5.91% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,100 | 6.00% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,407 | 5.70% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,199 | 5.13% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,399 | 6.25% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,202 | 5.88% |
| Sterling, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,009 | 5.75% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $866 | 6.75% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,991 | 6.20% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 853 | $181,645,000 | $212,948 | $3,795 | 5.38% |
| HELOC | 48 | $4,590,000 | $95,625 | n/a | 5.88% |
For 2018, Compeer Financial Flca's most frequently originated type of loan was Conventional, with 853 originations. Their 2nd most popular type was HELOC, with 48 originations.
Loan Reason
For 2018, Compeer Financial Flca's most frequently cited loan purpose was Home Purchase, with 471 originations. The 2nd most popular reason was Cash Out Refi, with 251 originations.
Loan Duration/Length
For 2018, Compeer Financial Flca's most frequently cited loan duration was 30 Year, with 500 originations. The 2nd most popular length was 30+ year, with 121 originations.
Origination Fees/Closing Costs
Compeer Financial Flca's average total fees were $4,122, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 223 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 465 | $91,475,000 | $196,720 |
| 4-5% | 297 | $77,825,000 | $262,037 |
| 6-7% | 123 | $13,825,000 | $112,398 |
| 3-4% | 16 | $3,110,000 | $194,375 |
During 2018, Compeer Financial Flca's average interest rate for loans was 5.40%, while their most frequently originated rate bucket for loans was 5-6%, with 465 originations.
Loan Sizing
2018 saw Compeer Financial Flca place emphasis on $200k-400k loans with 348 originations, totaling $95,650,000 in origination value.
Applicant Income
Compeer Financial Flca lent most frequently to those with incomes in the $100k-150k range, with 268 originations. The second most popular income band? $75k-100k, with 198 originations.
Applicant Debt to Income Ratio
Compeer Financial Flca lent most frequently to those with DTI ratios of 30-36%, with 255 originations. The next most common DTI ratio? 20-30%, with 232 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.60%
Compeer Financial Flca has an average approval rate.
Pick Rate
Approvals leading to origination56.05%
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 | 901 | $186,235,000 | $206,698 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 37 | $5,565,000 | $150,405 |
| Single Family (1-4 Units):Site-Built | 864 | $180,670,000 | $209,109 |