As part of the Farm Credit System, Compeer Financial operates as a cooperative, meaning our clients are also our member-owners. This structure allows us to return a portion of our earnings back to our members through our patronage program, helping you share in the success you help create.

Compeer Financial serves clients throughout Minnesota, Wisconsin and Illinois. If you are buying farmland, rural property or a home in one of these states, we are here to help with financing tailored to your needs.

Unlike traditional lenders, Compeer Financial specializes in agriculture and rural living. Our team understands the unique opportunities and challenges of rural property ownership, offering flexible financing options, local expertise and a commitment to strengthening rural communities.

We offer a wide range of loans including farmland loans, rural home mortgages, recreational land loans, construction loans, and operating or equipment loans for agricultural needs. Whether you are purchasing a large farm, a hobby property, or a rural residence, we can help you finance it.

Yes. We offer flexible financing options for farmland, rural residences, hobby farms, hunting land, timber tracts and other rural properties – whether or not they include a home or other improvements.

Yes. Through Compeer Home, we offer specialized financing for rural residences, hobby farms, recreational properties and land for future construction – even if the property is not actively farmed.

Compeer Home is part of Compeer Financial, dedicated to helping people buy, build or refinance rural homes and properties with acreage. We provide flexible solutions for country living, including homes on larger parcels and unique properties like barndominiums and log cabins.

Yes. Compeer Financial offers construction loans for building rural homes, barns, sheds or other farm-related structures. Our team can help you finance your build from start to finish.

Absolutely. We specialize in rural property financing and can finance unimproved or raw land, whether you plan to build in the future or simply enjoy the property as it is.

The loan application process typically includes providing basic financial information such as income verification, asset and liability details, and information about the property you wish to purchase. Our team will guide you through every step to make it as smooth as possible.

Yes. Getting pre-qualified with Compeer Financial gives you a clear idea of your budget and strengthens your offer when you find the right property.

Approval times can vary based on the complexity of the loan. Our team works to ensure a smooth, timely process, so you can move forward with confidence.

Yes. If you already own rural property or a rural home and want to refinance to better terms, consolidate debt, or access equity, we offer refinancing options tailored to rural property owners.

As a member-owner, you not only access financial services, but also have a voice in the cooperative and share in its financial success. Our structure puts your interests first, because you are more than a client – you are an owner.

Compeer Financial regularly return a portion of our earnings to eligible member-owners through our patronage program.* Patronage payments reduce your effective cost of borrowing and are a direct benefit of working with a cooperative lender.

*Patronage allocations, redemptions and payments remains at the discretion of the Board of Directors based on a combination of factors including the risk in our portfolio, earnings and current capital position.

Our lending team includes specialists who live and work in rural communities. They understand the unique aspects of farmland, rural residences and recreational properties, offering specialized advice and personalized support.

Yes. Compeer Financial has a large team of certified appraisers and risk management specialists who provide insights to help you make informed decisions about your land investment.

Yes. We offer tools like our Compeer Land Locator, farmland value reports and personalized consultations to help you navigate the rural property market confidently.

Yes. We offer various payment structures to match your cash flow needs, including options for flexible terms, annual payments and more.

We work with you to create a loan that fits your situation, whether that means longer terms, variable or fixed rates, or special payment timing based on your farming or income cycles.

Yes. You do not need to be a full-time farmer to work with us. We proudly support part-time farmers, beginning farmers, rural business owners and anyone looking to make a home in the country.

Beyond financing, Compeer Financial invests in programs and grants that strengthen rural vitality. We support youth organizations, education initiatives, rural healthcare and community development efforts to enrich life in the areas we serve.

Through our Fund for Rural America, we offer grants, scholarships and donations to support agricultural education, rural community development and innovation in agriculture.