Applications / Mortgage Analytics / Lenders / Wisconsin / Compeer Financial, FLCA
Prairie Du Sac, WI · Independent non-bank lender · CFPB · 1,466 loans in 2025
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1,466
loans originated, 2025
2,136
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Compeer Financial, FLCA is a country lender: its two biggest markets are rural Wisconsin and rural Minnesota, and every loan it made in 2025 was conventional.
It ranks 17 of 659 lenders in non-metro Wisconsin and 20 of 536 in non-metro Minnesota, far higher than in Minneapolis, where it ranks 101 of 688. That rural footprint may explain why only 0.5% of its loans went to majority-minority neighborhoods, against 26.8% for similar lenders (independent non-bank lenders making between half and twice as many loans), and 8.1% to low- and moderate-income neighborhoods, against 19.1%.
All its loans were conventional; peers made 22.6% of theirs with insurance from the Federal Housing Administration. Purchases were 74.2% of its loans, with home improvement (9.3%) and other purposes (3.9%) a further slice, and 6.1% were on manufactured homes, against 0.9% for peers. It also bought 107 loans, where most peers bought none.
Its typical loan, $235,000, is smaller than at nine in ten peers. Its typical rate, 7.20%, is higher than at about nine in ten, against 6.62% for peers. Manufactured homes and home-improvement loans often carry higher rates and may account for some of the difference.
Its 1,466 loans were up from 1,122, against growth of 5% for peers and 10% for the whole market. It is still well short of the 2,520 it made in 2020, and has grown for two years after falling to 824 in 2023.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Compeer Financial, FLCA took 2,136 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.2% · Refinance 12.6% · Home improvement 9.3% · Other 3.9%
Conventional 100.0% · of 1,466 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 |
|---|---|---|
| Wisconsin | 700 | 47.7% |
| Minnesota | 504 | 34.4% |
| Illinois | 208 | 14.2% |
| Texas | 24 | 1.6% |
| Iowa | 6 | 0.4% |
| Michigan | 5 | 0.3% |
| North Dakota | 3 | 0.2% |
| Alabama | 2 | 0.1% |
| Kentucky | 2 | 0.1% |
| Missouri | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 132 |
| Madison | 76 |
| Duluth | 55 |
| Rochester | 41 |
| St. Cloud | 37 |
| Fond du Lac | 35 |
| Eau Claire | 33 |
| Peoria | 32 |
| La Crosse-Onalaska | 27 |
| Mankato | 25 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EWFHPBZH38K695 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3950469 | 2010–2015 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3636110 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7411956286 |
Established 1 July 2017. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Compeer Financial, FLCA's data.
Compeer Financial, FLCA's data
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