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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Las Vegas, Kalispell, Spokane, Urban Honolulu, and Missoula among others. We have data for 117 markets. (Some data included below & more in-depth data is available with an active subscription.)Mann Financial 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. Mann Financial is typically an average 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.
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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.73% | 4/18/24 |
| 30 Year Conventional Refi | 6.71% | 4/18/24 |
| 30 Year Cash-out Refi | 6.99% | 4/18/24 |
| 30 Year FHA Purchase | 7.62% | 4/18/24 |
| 30 Year FHA Refi | 7.28% | 4/18/24 |
| 30 Year VA Purchase | 6.38% | 4/18/24 |
| 30 Year VA Refi | 6.27% | 4/18/24 |
| 30 Year USDA Purchase | 6.87% | 4/18/24 |
| 15 Year Conventional Purchase | 6.63% | 4/18/24 |
| 15 Year Conventional Refi | 6.32% | 4/18/24 |
| 15 Year Cash-out Refi | 6.32% | 4/18/24 |
| 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
5,592Origination Dollar Volume (All Markets)
$1,303,900,000Awards
MANN FINANCIAL - 2018
MANN FINANCIAL is a 2018 , due to their low .
For 2018, 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) | 805 | $201,895,000 | $250,801 | $7,188 | 5.12% |
| Kalispell, MT (FHA|USDA|VA) | 546 | $126,550,000 | $231,777 | $5,268 | 4.74% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 715 | $126,395,000 | $176,776 | $5,200 | 4.78% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 178 | $86,680,000 | $486,966 | $12,258 | 4.50% |
| Outside of Metro Areas | 427 | $82,955,000 | $194,274 | $5,218 | 4.77% |
| MISSOULA, MT (FHA|USDA|VA) | 259 | $61,205,000 | $236,313 | $5,310 | 4.78% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 150 | $57,000,000 | $380,000 | $10,296 | 4.85% |
| LONGVIEW, WA (FHA|USDA|VA) | 251 | $48,945,000 | $195,000 | $5,836 | 5.05% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 173 | $46,985,000 | $271,590 | $7,206 | 4.91% |
| RENO, NV (FHA|USDA|VA) | 117 | $34,485,000 | $294,744 | $7,263 | 4.98% |
| Helena, MT (FHA|USDA|VA) | 139 | $31,405,000 | $225,935 | $6,528 | 4.66% |
| BOISE CITY, ID (FHA|USDA|VA) | 113 | $24,095,000 | $213,230 | $5,709 | 4.83% |
| SALEM, OR (FHA|USDA|VA) | 91 | $23,455,000 | $257,747 | $7,165 | 5.19% |
| Safford, AZ (FHA|USDA|VA) | 135 | $22,355,000 | $165,593 | $5,530 | 4.97% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 122 | $22,090,000 | $181,066 | $5,439 | 4.79% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 81 | $22,065,000 | $272,407 | $5,365 | 4.85% |
| GREAT FALLS, MT (FHA|USDA|VA) | 133 | $21,665,000 | $162,895 | $5,465 | 4.59% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 88 | $20,430,000 | $232,159 | $6,430 | 5.02% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 75 | $17,085,000 | $227,800 | $6,231 | 4.93% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 110 | $16,680,000 | $151,636 | $5,916 | 4.96% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 39 | $15,915,000 | $408,077 | $6,550 | 4.68% |
| Elko, NV (FHA|USDA|VA) | 70 | $15,770,000 | $225,286 | $7,862 | 5.05% |
| BEND, OR (FHA|USDA|VA) | 47 | $12,475,000 | $265,426 | $8,016 | 4.92% |
| Outside of Metro Areas | 51 | $11,755,000 | $230,490 | $5,638 | 4.94% |
| Hood River, OR (FHA|USDA|VA) | 33 | $10,865,000 | $329,242 | $6,920 | 4.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 37 | $9,125,000 | $246,622 | $7,072 | 4.74% |
| BILLINGS, MT (FHA|USDA|VA) | 49 | $8,725,000 | $178,061 | $5,385 | 4.75% |
| Williston, ND (FHA|USDA|VA) | 44 | $8,620,000 | $195,909 | $6,107 | 5.51% |
| Prineville, OR (FHA|USDA|VA) | 42 | $7,950,000 | $189,286 | $6,088 | 4.93% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 27 | $7,505,000 | $277,963 | $6,564 | 4.91% |
| La Grande, OR (FHA|USDA|VA) | 39 | $6,285,000 | $161,154 | $4,982 | 4.71% |
| The Dalles, OR (FHA|USDA|VA) | 23 | $5,285,000 | $229,783 | $5,486 | 4.96% |
| Centralia, WA (FHA|USDA|VA) | 24 | $4,780,000 | $199,167 | $5,316 | 5.10% |
| CORVALLIS, OR (FHA|USDA|VA) | 17 | $4,425,000 | $260,294 | $6,141 | 5.04% |
| Hilo, HI (FHA|USDA|VA) | 16 | $3,700,000 | $231,250 | $8,296 | 4.63% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 11 | $3,535,000 | $321,364 | $10,507 | 4.78% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 13 | $3,525,000 | $271,154 | $7,026 | 4.81% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $3,310,000 | $551,667 | $8,510 | 4.90% |
| Blackfoot, ID (FHA|USDA|VA) | 23 | $3,235,000 | $140,652 | $5,703 | 5.08% |
| Rexburg, ID (FHA|USDA|VA) | 27 | $3,165,000 | $117,222 | $4,521 | 5.10% |
| Bozeman, MT (FHA|USDA|VA) | 9 | $2,685,000 | $298,333 | $5,989 | 4.61% |
| Fernley, NV (FHA|USDA|VA) | 11 | $2,645,000 | $240,455 | $7,983 | 5.10% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 12 | $2,460,000 | $205,000 | $5,750 | 4.79% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 16 | $2,440,000 | $152,500 | $3,984 | 5.32% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 9 | $2,375,000 | $263,889 | $5,509 | 5.11% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $2,290,000 | $1,145,000 | $22,504 | 4.81% |
| GREELEY, CO (FHA|USDA|VA) | 9 | $2,275,000 | $252,778 | $5,969 | 4.72% |
| Pullman, WA (FHA|USDA|VA) | 9 | $1,735,000 | $192,778 | $5,471 | 4.97% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $4,329 | 4.75% |
| Pahrump, NV (FHA|USDA|VA) | 8 | $1,550,000 | $193,750 | $6,998 | 5.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $5,124 | 5.20% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $10,981 | 4.59% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $6,455 | 4.27% |
| POCATELLO, ID (FHA|USDA|VA) | 7 | $1,445,000 | $206,429 | $7,181 | 4.54% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $9,077 | 5.33% |
| Moses Lake, WA (FHA|USDA|VA) | 10 | $1,260,000 | $126,000 | $3,690 | 4.27% |
| Show Low, AZ (FHA|USDA|VA) | 8 | $1,240,000 | $155,000 | $6,089 | 5.25% |
| Dickinson, ND (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $5,896 | 5.40% |
| Jackson, WY-ID (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $10,449 | 5.33% |
| Silver City, NM (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $4,833 | 5.25% |
| Moscow, ID (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $5,250 | 4.68% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $8,715 | 4.50% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $8,269 | 5.21% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $5,069 | 4.92% |
| Sandpoint, ID (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $5,496 | 5.13% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $7,184 | 4.67% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $9,642 | 4.38% |
| Newport, OR (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,636 | 5.19% |
| Roseburg, OR (FHA|USDA|VA) | 7 | $725,000 | $103,571 | $3,983 | 5.19% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $5,790 | 4.69% |
| CARSON CITY, NV (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $6,553 | 5.04% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $3,658 | 4.75% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $10,388 | 4.50% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $6,750 | 5.56% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $7,209 | 5.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $9,119 | 4.81% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,813 | 4.69% |
| Hailey, ID (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $8,454 | 4.75% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,652 | 4.94% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $11,427 | 5.50% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,338 | 4.94% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,342 | 4.25% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,515 | 4.88% |
| Aberdeen, WA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $5,147 | 5.13% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,559 | 4.50% |
| Ontario, OR-ID (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,492 | 4.56% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,017 | 5.13% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,245 | 4.63% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,186 | 5.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,583 | 4.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,368 | 5.50% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,822 | 5.44% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,417 | 5.38% |
| Fallon, NV (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,248 | 5.38% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,216 | 4.13% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,943 | 4.38% |
| Heber, UT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,978 | 4.50% |
| Montrose, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,721 | 4.75% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 2.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,514 | 5.25% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,043 | 5.00% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $14,753 | 4.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,170 | 5.75% |
| Astoria, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,497 | 4.50% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,746 | 4.75% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,100 | 5.13% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,467 | 5.13% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,270 | 5.13% |
| Othello, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,805 | 4.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,998 | 4.75% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,234 | 5.50% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,271 | 5.13% |
| Minot, ND (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,296 | 4.38% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,825 | 4.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,809 | 4.50% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,322 | 4.63% |
| Roswell, NM (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,525 | 5.25% |
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Product Mix
For 2018, Mann Financial's most frequently originated type of loan was Conventional, with 3,252 originations. Their 2nd most popular type was FHA, with 1,321 originations.
Loan Reason
For 2018, Mann Financial's most frequently cited loan purpose was Home Purchase, with 4,640 originations. The 2nd most popular reason was Cash Out Refi, with 689 originations.
Loan Duration/Length
For 2018, Mann Financial's most frequently cited loan duration was 30 Year, with 5,338 originations. The 2nd most popular length was 15 Year, with 128 originations.
Origination Fees/Closing Costs
Mann Financial's average total fees were $6,426, while their most frequently occuring range of origination fees (closing costs) were in the $3k-4k bucket, with 1,318 originations.
Interest Rates
During 2018, Mann Financial's average interest rate for loans was 4.88%, while their most frequently originated rate bucket for loans was 4-5%, with 3,178 originations.
Loan Sizing
2018 saw Mann Financial place emphasis on $200k-400k loans with 2,838 originations, totaling $764,200,000 in origination value.
Applicant Income
Mann Financial lent most frequently to those with incomes in the $50k-75k range, with 1,823 originations. The second most popular income band? $50k or less, with 1,306 originations.
Applicant Debt to Income Ratio
Mann Financial lent most frequently to those with DTI ratios of 30-36%, with 828 originations. The next most common DTI ratio? 20-30%, with 646 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.03%
Mann Financial has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination68.42%
Mann Financial 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 |
|---|---|---|---|
| 0.0 | 1 | $15,000 | $15,000 |
| NA | 5,591 | $1,303,885,000 | $233,211 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 256 | $45,140,000 | $176,328 |
| Single Family (1-4 Units):Site-Built | 5,336 | $1,258,760,000 | $235,900 |