Mann Financial Mortgage Rates, Fees & Info
KALISPELL, MTLEI: 549300TWPFOYZ33TOU32
Tax ID: 34-2000096
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Mortgage Data
Review & Overview
Mann Financial is a small mortgage company specializing in Home Purchase loans. Mann Financial has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Las Vegas, Missoula, Seattle, Longview, and Kalispell among others. We have data for 137 markets. (Some data included below & more in-depth data is available with an active subscription.)Mann Financial has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. Mann Financial is typically a high 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 about average 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.73% | 11/1/24 |
| 30 Year Conventional Refi | 6.71% | 11/1/24 |
| 30 Year Cash-out Refi | 6.99% | 11/1/24 |
| 30 Year FHA Purchase | 7.62% | 11/1/24 |
| 30 Year FHA Refi | 7.28% | 11/1/24 |
| 30 Year VA Purchase | 6.38% | 11/1/24 |
| 30 Year VA Refi | 6.27% | 11/1/24 |
| 30 Year USDA Purchase | 6.87% | 11/1/24 |
| 15 Year Conventional Purchase | 6.63% | 11/1/24 |
| 15 Year Conventional Refi | 6.32% | 11/1/24 |
| 15 Year Cash-out Refi | 6.32% | 11/1/24 |
| 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. | ||
Mann Financial Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,592Origination Dollar Volume (All Markets)
$1,173,490,000Awards
MANN FINANCIAL - 2022
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For 2022, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 324 | $122,890,000 | $379,290 | $9,671 | 5.16% |
| Outside of Metro Areas | 401 | $117,405,000 | $292,781 | $8,210 | 4.87% |
| MISSOULA, MT (FHA|USDA|VA) | 238 | $86,910,000 | $365,168 | $8,033 | 4.89% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 139 | $68,575,000 | $493,345 | $11,696 | 5.13% |
| LONGVIEW, WA (FHA|USDA|VA) | 174 | $56,950,000 | $327,299 | $8,776 | 4.70% |
| Kalispell, MT (FHA|USDA|VA) | 150 | $55,990,000 | $373,267 | $8,490 | 4.81% |
| Helena, MT (FHA|USDA|VA) | 149 | $52,025,000 | $349,161 | $9,739 | 4.93% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 91 | $46,175,000 | $507,418 | $9,111 | 4.86% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 107 | $43,335,000 | $405,000 | $10,980 | 4.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 164 | $33,550,000 | $204,573 | $6,913 | 5.26% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 88 | $30,970,000 | $351,932 | $9,574 | 4.76% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 117 | $29,505,000 | $252,179 | $8,181 | 5.07% |
| Safford, AZ (FHA|USDA|VA) | 99 | $24,165,000 | $244,091 | $8,935 | 4.86% |
| GREAT FALLS, MT (FHA|USDA|VA) | 118 | $23,860,000 | $202,203 | $6,120 | 4.84% |
| La Grande, OR (FHA|USDA|VA) | 101 | $22,925,000 | $226,980 | $7,413 | 5.09% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 61 | $19,465,000 | $319,098 | $8,337 | 4.77% |
| RENO, NV (FHA|USDA|VA) | 47 | $18,855,000 | $401,170 | $10,679 | 4.88% |
| SALEM, OR (FHA|USDA|VA) | 52 | $18,790,000 | $361,346 | $10,429 | 4.65% |
| Prineville, OR (FHA|USDA|VA) | 47 | $17,065,000 | $363,085 | $13,842 | 5.02% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 43 | $16,605,000 | $386,163 | $9,386 | 4.95% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 29 | $15,315,000 | $528,103 | $20,150 | 4.14% |
| BEND, OR (FHA|USDA|VA) | 37 | $14,985,000 | $405,000 | $12,429 | 4.65% |
| Hilo, HI (FHA|USDA|VA) | 39 | $14,755,000 | $378,333 | $11,417 | 4.64% |
| Centralia, WA (FHA|USDA|VA) | 31 | $11,055,000 | $356,613 | $10,633 | 4.34% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 40 | $10,010,000 | $250,250 | $7,852 | 4.72% |
| Hood River, OR (FHA|USDA|VA) | 20 | $9,920,000 | $496,000 | $8,764 | 4.96% |
| DULUTH, MN-WI (FHA|USDA|VA) | 86 | $9,020,000 | $104,884 | $3,926 | 4.22% |
| BILLINGS, MT (FHA|USDA|VA) | 29 | $8,705,000 | $300,172 | $8,618 | 4.95% |
| Rexburg, ID (FHA|USDA|VA) | 29 | $8,425,000 | $290,517 | $8,898 | 4.75% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 7 | $8,245,000 | $1,177,857 | $42,607 | 5.38% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 19 | $8,215,000 | $432,368 | $10,823 | 4.83% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 21 | $8,155,000 | $388,333 | $9,883 | 5.26% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 36 | $7,280,000 | $202,222 | $5,589 | 4.73% |
| Blackfoot, ID (FHA|USDA|VA) | 26 | $6,470,000 | $248,846 | $7,641 | 4.72% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 32 | $6,440,000 | $201,250 | $4,775 | 5.57% |
| Bozeman, MT (FHA|USDA|VA) | 13 | $5,945,000 | $457,308 | $9,002 | 5.55% |
| The Dalles, OR (FHA|USDA|VA) | 17 | $5,485,000 | $322,647 | $9,239 | 5.57% |
| Show Low, AZ (FHA|USDA|VA) | 17 | $4,895,000 | $287,941 | $11,660 | 4.62% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 12 | $4,880,000 | $406,667 | $4,646 | 3.76% |
| Sandpoint, ID (FHA|USDA|VA) | 5 | $4,295,000 | $859,000 | $11,966 | 3.68% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 17 | $4,275,000 | $251,471 | $6,886 | 5.12% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 8 | $3,770,000 | $471,250 | $9,174 | 5.33% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 12 | $3,740,000 | $311,667 | $10,415 | 6.21% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 10 | $3,630,000 | $363,000 | $7,554 | 5.50% |
| Grand Rapids, MN (FHA|USDA|VA) | 29 | $3,295,000 | $113,621 | $3,702 | 4.25% |
| Aberdeen, WA (FHA|USDA|VA) | 9 | $3,115,000 | $346,111 | $10,386 | 4.83% |
| POCATELLO, ID (FHA|USDA|VA) | 14 | $3,060,000 | $218,571 | $7,642 | 5.01% |
| Alamogordo, NM (FHA|USDA|VA) | 18 | $2,650,000 | $147,222 | $5,599 | 5.84% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 5 | $2,565,000 | $513,000 | $11,607 | 5.00% |
| Newport, OR (FHA|USDA|VA) | 9 | $2,465,000 | $273,889 | $11,272 | 5.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $2,430,000 | $1,215,000 | $20,158 | 4.13% |
| Port Angeles, WA (FHA|USDA|VA) | 6 | $2,290,000 | $381,667 | $5,492 | 4.75% |
| EL PASO, TX (FHA|USDA|VA) | 9 | $2,225,000 | $247,222 | $7,638 | 4.28% |
| Klamath Falls, OR (FHA|USDA|VA) | 7 | $2,055,000 | $293,571 | $9,745 | 4.52% |
| Shelton, WA (FHA|USDA|VA) | 5 | $1,945,000 | $389,000 | $11,820 | 5.28% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $1,945,000 | $277,857 | $2,216 | 5.05% |
| YAKIMA, WA (FHA|USDA|VA) | 5 | $1,865,000 | $373,000 | $9,422 | 5.20% |
| Fernley, NV (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $11,091 | 4.67% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $1,790,000 | $298,333 | $7,910 | 5.13% |
| Pahrump, NV (FHA|USDA|VA) | 5 | $1,715,000 | $343,000 | $7,667 | 4.53% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $1,710,000 | $855,000 | $16,386 | 5.13% |
| Moses Lake, WA (FHA|USDA|VA) | 6 | $1,560,000 | $260,000 | $7,973 | 4.67% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $9,764 | 5.00% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $6,041 | 4.84% |
| Outside of Metro Areas | 2 | $1,160,000 | $580,000 | $7,377 | 4.94% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $16,629 | 4.75% |
| Roseburg, OR (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $6,731 | 5.19% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $8,454 | 5.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $4,253 | 5.00% |
| Coos Bay, OR (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $13,437 | 5.00% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $25,116 | 3.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $9,823 | 6.08% |
| Jackson, WY-ID (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $9,007 | 3.83% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $11,987 | 5.75% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $8,111 | 4.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $7,038 | 5.58% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $9,741 | 5.81% |
| Glenwood Springs, CO (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $5,352 | 3.18% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $5,328 | 4.81% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $9,976 | 5.69% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $7,237 | 5.33% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $8,281 | 2.71% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $8,416 | 4.58% |
| Astoria, OR (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $9,494 | 3.81% |
| Deming, NM (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $4,963 | 5.08% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $8,702 | 6.13% |
| Elko, NV (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $10,790 | 5.13% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $12,375 | 5.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,622 | 5.42% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $7,443 | 5.13% |
| Burley, ID (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $6,987 | 4.08% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,012 | 3.63% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $7,866 | 3.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,542 | 3.94% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $11,921 | 5.00% |
| Silver City, NM (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $4,742 | 5.91% |
| Pullman, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,143 | 4.13% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $25,433 | 5.25% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $16,695 | 2.88% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,429 | 3.75% |
| Ruidoso, NM (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,172 | 4.56% |
| Sonora, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $14,805 | 6.13% |
| Hailey, ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $15,576 | 5.63% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,803 | 6.88% |
| CASPER, WY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,657 | 4.13% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,519 | 3.63% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,710 | 3.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,327 | 5.50% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,656 | 4.44% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,655 | 4.88% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,923 | 5.88% |
| Bemidji, MN (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $2,362 | 2.75% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,843 | 5.00% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,954 | 3.13% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $16,983 | 3.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,661 | 4.50% |
| Brookings, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,178 | 5.50% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,749 | 4.13% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,851 | 6.88% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,503 | 5.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,663 | 7.50% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,719 | 4.88% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,169 | 7.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,791 | 3.88% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,988 | 5.50% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,404 | 6.00% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,526 | 3.63% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,340 | 7.63% |
| Gallup, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,970 | 5.50% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,486 | 2.94% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,833 | 3.00% |
| Susanville, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,007 | 5.63% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,900 | 5.50% |
| Williston, ND (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,884 | 5.13% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,340 | 5.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,275 | 6.00% |
| Roswell, NM (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $3,127 | 6.38% |
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Product Mix
For 2022, Mann Financial's most frequently originated type of loan was Conventional, with 2,541 originations. Their 2nd most popular type was FHA, with 658 originations.
Loan Reason
For 2022, Mann Financial's most frequently cited loan purpose was Home Purchase, with 2,845 originations. The 2nd most popular reason was Cash Out Refi, with 525 originations.
Loan Duration/Length
For 2022, Mann Financial's most frequently cited loan duration was 30 Year, with 3,202 originations. The 2nd most popular length was 30+ year, with 177 originations.
Origination Fees/Closing Costs
Mann Financial's average total fees were $9,029, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,459 originations.
Interest Rates
During 2022, Mann Financial's average interest rate for loans was 4.97%, while their most frequently originated rate bucket for loans was 5-6%, with 1,085 originations.
Loan Sizing
2022 saw Mann Financial place emphasis on $200k-400k loans with 1,774 originations, totaling $524,000,000 in origination value.
Applicant Income
Mann Financial lent most frequently to those with incomes in the $50k-75k range, with 885 originations. The second most popular income band? $100k-150k, with 814 originations.
Applicant Debt to Income Ratio
Mann Financial lent most frequently to those with DTI ratios of 30-36%, with 532 originations. The next most common DTI ratio? 20-30%, with 420 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications76.36%
Mann Financial has a below average approval rate.
Pick Rate
Approvals leading to origination92.87%
Mann Financial has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,592 | $1,173,490,000 | $326,695 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,592 | $1,173,490,000 | $326,695 |