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.) Their top markets by origination volume include: Las Vegas, Kalispell, Longview, Missoula, and Seattle among others. We have data for 112 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.73% | 4/22/24 |
| 30 Year Conventional Refi | 6.71% | 4/22/24 |
| 30 Year Cash-out Refi | 6.99% | 4/22/24 |
| 30 Year FHA Purchase | 7.62% | 4/22/24 |
| 30 Year FHA Refi | 7.28% | 4/22/24 |
| 30 Year VA Purchase | 6.38% | 4/22/24 |
| 30 Year VA Refi | 6.27% | 4/22/24 |
| 30 Year USDA Purchase | 6.87% | 4/22/24 |
| 15 Year Conventional Purchase | 6.63% | 4/22/24 |
| 15 Year Conventional Refi | 6.32% | 4/22/24 |
| 15 Year Cash-out Refi | 6.32% | 4/22/24 |
| 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
4,778Origination Dollar Volume (All Markets)
$1,142,280,000Awards
MANN FINANCIAL - 2019
MANN FINANCIAL is a 2019 , due to their low .
For 2019, 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) | 523 | $127,515,000 | $243,815 | $6,840 | 4.47% |
| Kalispell, MT (FHA|USDA|VA) | 413 | $106,795,000 | $258,584 | $5,441 | 4.26% |
| Outside of Metro Areas | 470 | $97,350,000 | $207,128 | $5,153 | 4.30% |
| LONGVIEW, WA (FHA|USDA|VA) | 389 | $83,065,000 | $213,535 | $6,697 | 4.27% |
| MISSOULA, MT (FHA|USDA|VA) | 277 | $68,445,000 | $247,094 | $4,899 | 4.22% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 190 | $61,520,000 | $323,789 | $6,164 | 4.28% |
| SALEM, OR (FHA|USDA|VA) | 216 | $52,920,000 | $245,000 | $7,586 | 4.33% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 175 | $49,795,000 | $284,543 | $8,069 | 4.49% |
| Helena, MT (FHA|USDA|VA) | 145 | $37,795,000 | $260,655 | $6,424 | 4.09% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 62 | $31,170,000 | $502,742 | $6,362 | 4.19% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 143 | $29,425,000 | $205,769 | $5,754 | 4.02% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 128 | $29,020,000 | $226,719 | $6,516 | 4.34% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 176 | $28,420,000 | $161,477 | $5,400 | 4.26% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 147 | $27,015,000 | $183,776 | $3,677 | 4.05% |
| Safford, AZ (FHA|USDA|VA) | 143 | $26,065,000 | $182,273 | $5,726 | 4.41% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 47 | $24,445,000 | $520,106 | $12,003 | 4.28% |
| GREAT FALLS, MT (FHA|USDA|VA) | 132 | $23,400,000 | $177,273 | $5,014 | 4.16% |
| Prineville, OR (FHA|USDA|VA) | 85 | $21,775,000 | $256,176 | $7,635 | 4.37% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 81 | $21,235,000 | $262,160 | $7,398 | 4.27% |
| Hood River, OR (FHA|USDA|VA) | 37 | $13,455,000 | $363,649 | $6,402 | 4.43% |
| BEND, OR (FHA|USDA|VA) | 50 | $13,230,000 | $264,600 | $7,606 | 4.36% |
| RENO, NV (FHA|USDA|VA) | 40 | $13,000,000 | $325,000 | $9,304 | 4.06% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 61 | $12,045,000 | $197,459 | $4,562 | 4.15% |
| BILLINGS, MT (FHA|USDA|VA) | 52 | $11,790,000 | $226,731 | $6,301 | 4.35% |
| Rexburg, ID (FHA|USDA|VA) | 54 | $10,300,000 | $190,741 | $6,141 | 4.18% |
| Williston, ND (FHA|USDA|VA) | 49 | $10,275,000 | $209,694 | $5,541 | 5.05% |
| Centralia, WA (FHA|USDA|VA) | 39 | $8,095,000 | $207,564 | $6,703 | 4.40% |
| CORVALLIS, OR (FHA|USDA|VA) | 23 | $7,445,000 | $323,696 | $7,013 | 4.21% |
| The Dalles, OR (FHA|USDA|VA) | 25 | $6,645,000 | $265,800 | $7,523 | 4.60% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 23 | $6,635,000 | $288,478 | $4,731 | 4.77% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 21 | $5,045,000 | $240,238 | $4,840 | 3.91% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 20 | $4,810,000 | $240,500 | $6,631 | 4.15% |
| LAS CRUCES, NM (FHA|USDA|VA) | 25 | $4,435,000 | $177,400 | $4,610 | 4.04% |
| Blackfoot, ID (FHA|USDA|VA) | 20 | $3,800,000 | $190,000 | $6,325 | 4.32% |
| Show Low, AZ (FHA|USDA|VA) | 20 | $3,680,000 | $184,000 | $6,022 | 4.71% |
| Bozeman, MT (FHA|USDA|VA) | 10 | $3,200,000 | $320,000 | $6,553 | 4.01% |
| Outside of Metro Areas | 13 | $3,015,000 | $231,923 | $4,966 | 4.15% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 15 | $2,935,000 | $195,667 | $7,252 | 4.46% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 14 | $2,900,000 | $207,143 | $6,141 | 4.09% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 12 | $2,890,000 | $240,833 | $5,194 | 4.10% |
| DULUTH, MN-WI (FHA|USDA|VA) | 29 | $2,145,000 | $73,966 | $3,244 | 4.22% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 7 | $1,945,000 | $277,857 | $5,681 | 4.48% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $6,622 | 4.20% |
| Fernley, NV (FHA|USDA|VA) | 8 | $1,770,000 | $221,250 | $7,587 | 4.66% |
| Jackson, WY-ID (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $10,264 | 4.49% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $6,903 | 4.35% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $9,310 | 4.50% |
| Elko, NV (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $6,900 | 4.79% |
| Pahrump, NV (FHA|USDA|VA) | 9 | $1,415,000 | $157,222 | $4,359 | 4.84% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $5,402 | 5.08% |
| Dickinson, ND (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $8,536 | 4.31% |
| Newport, OR (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $7,368 | 4.16% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $4,215 | 4.16% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $4,305 | 3.96% |
| Astoria, OR (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $5,306 | 4.50% |
| Moscow, ID (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $4,093 | 4.25% |
| CARSON CITY, NV (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $5,793 | 4.29% |
| WALLA WALLA, WA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $6,748 | 4.04% |
| Roseburg, OR (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $5,238 | 4.31% |
| Silver City, NM (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $6,269 | 4.52% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $6,260 | 3.88% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $8,929 | 4.63% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $6,924 | 4.00% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,742 | 4.88% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $4,585 | 3.78% |
| Hilo, HI (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $16,716 | 4.94% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $8,050 | 4.38% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $4,381 | 3.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $8,328 | 3.75% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $5,580 | 4.72% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,135 | 4.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $8,850 | 4.63% |
| POCATELLO, ID (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $4,429 | 4.13% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $4,595 | 5.17% |
| Shelton, WA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $10,269 | 3.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $8,935 | 3.88% |
| Deming, NM (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $4,401 | 4.25% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,734 | 4.00% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,947 | 4.38% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,048 | 3.88% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,396 | 4.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,229 | 4.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,376 | 3.88% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,798 | 3.50% |
| La Grande, OR (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,240 | 4.50% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,808 | 3.88% |
| TYLER, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,186 | 5.00% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,141 | 3.88% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,210 | 6.00% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,396 | 3.75% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,401 | 3.50% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,185 | 4.13% |
| Minot, ND (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.38% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $725 | 4.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,823 | 4.25% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 2.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,473 | 4.00% |
| Pullman, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,183 | 4.50% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,184 | 3.50% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,929 | 5.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,863 | 3.75% |
| Hailey, ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,464 | 3.88% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,711 | 4.63% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,062 | 4.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $5,475 | 3.31% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,747 | 4.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,694 | 3.75% |
| Fallon, NV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,516 | 4.13% |
| Payson, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,245 | 5.63% |
| Easton, MD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,314 | 3.88% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,326 | 4.88% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,951 | 3.88% |
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Product Mix
For 2019, Mann Financial's most frequently originated type of loan was Conventional, with 2,852 originations. Their 2nd most popular type was FHA, with 1,129 originations.
Loan Reason
For 2019, Mann Financial's most frequently cited loan purpose was Home Purchase, with 3,475 originations. The 2nd most popular reason was Cash Out Refi, with 677 originations.
Loan Duration/Length
For 2019, Mann Financial's most frequently cited loan duration was 30 Year, with 4,509 originations. The 2nd most popular length was 15 Year, with 105 originations.
Origination Fees/Closing Costs
Mann Financial's average total fees were $6,299, while their most frequently occuring range of origination fees (closing costs) were in the $3k-4k bucket, with 1,087 originations.
Interest Rates
During 2019, Mann Financial's average interest rate for loans was 4.30%, while their most frequently originated rate bucket for loans was 4-5%, with 2,220 originations.
Loan Sizing
2019 saw Mann Financial place emphasis on $200k-400k loans with 2,594 originations, totaling $714,570,000 in origination value.
Applicant Income
Mann Financial lent most frequently to those with incomes in the $50k-75k range, with 1,505 originations. The second most popular income band? $50k or less, with 1,001 originations.
Applicant Debt to Income Ratio
Mann Financial lent most frequently to those with DTI ratios of 30-36%, with 749 originations. The next most common DTI ratio? 20-30%, with 668 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.64%
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 origination23.86%
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 | 3 | $15,000 | $5,000 |
| NA | 4,775 | $1,142,265,000 | $239,218 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 246 | $45,190,000 | $183,699 |
| Single Family (1-4 Units):Site-Built | 4,532 | $1,097,090,000 | $242,076 |