Mann Financial Mortgage Rates, Fees & Info

KALISPELL, MT

LEI: 549300TWPFOYZ33TOU32

Tax ID: 34-2000096

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Mortgage Data

Review & Overview

Mann Financial is a small mortgage company specializing in Home Purchase and Refi 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, Seattle, Kalispell, Missoula, and Washington among others. We have data for 136 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.73% 3/28/24
30 Year Conventional Refi 6.71% 3/28/24
30 Year Cash-out Refi 6.99% 3/28/24
30 Year FHA Purchase 7.62% 3/28/24
30 Year FHA Refi 7.28% 3/28/24
30 Year VA Purchase 6.38% 3/28/24
30 Year VA Refi 6.27% 3/28/24
30 Year USDA Purchase 6.87% 3/28/24
15 Year Conventional Purchase 6.63% 3/28/24
15 Year Conventional Refi 6.32% 3/28/24
15 Year Cash-out Refi 6.32% 3/28/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Mann Financial. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

9,235

Origination Dollar Volume (All Markets)

$2,479,155,000
Show all (32) awards

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) 847 $226,595,000 $267,527 $6,200 3.23%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 603 $220,415,000 $365,531 $5,544 3.12%
Kalispell, MT (FHA|USDA|VA) 770 $220,060,000 $285,792 $4,960 3.22%
Outside of Metro Areas 810 $189,780,000 $234,296 $5,109 3.14%
MISSOULA, MT (FHA|USDA|VA) 709 $187,695,000 $264,732 $4,819 3.12%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 283 $136,405,000 $481,996 $5,576 3.00%
LONGVIEW, WA (FHA|USDA|VA) 525 $123,165,000 $234,600 $6,593 3.20%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 339 $100,555,000 $296,622 $7,641 3.25%
Helena, MT (FHA|USDA|VA) 381 $99,285,000 $260,591 $5,752 2.96%
SALEM, OR (FHA|USDA|VA) 282 $71,820,000 $254,681 $7,228 3.32%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 252 $57,500,000 $228,175 $5,578 3.05%
URBAN HONOLULU, HI (FHA|USDA|VA) 118 $56,800,000 $481,356 $9,441 3.00%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 184 $51,520,000 $280,000 $6,523 3.09%
IDAHO FALLS, ID (FHA|USDA|VA) 284 $50,860,000 $179,085 $5,553 3.35%
Safford, AZ (FHA|USDA|VA) 245 $46,935,000 $191,571 $5,822 3.22%
GREAT FALLS, MT (FHA|USDA|VA) 230 $45,100,000 $196,087 $5,027 2.91%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 172 $44,420,000 $258,256 $5,165 3.03%
Prineville, OR (FHA|USDA|VA) 176 $43,680,000 $248,182 $7,240 3.26%
ALBANY-LEBANON, OR (FHA|USDA|VA) 153 $38,245,000 $249,967 $6,008 3.44%
BEND, OR (FHA|USDA|VA) 121 $36,375,000 $300,620 $8,055 3.19%
LEWISTON, ID-WA (FHA|USDA|VA) 178 $34,720,000 $195,056 $5,231 3.23%
La Grande, OR (FHA|USDA|VA) 168 $34,410,000 $204,821 $4,361 3.20%
RENO, NV (FHA|USDA|VA) 97 $32,865,000 $338,814 $7,522 3.27%
Hood River, OR (FHA|USDA|VA) 99 $32,485,000 $328,131 $4,950 3.23%
BILLINGS, MT (FHA|USDA|VA) 112 $28,270,000 $252,411 $6,066 3.08%
COLORADO SPRINGS, CO (FHA|USDA|VA) 59 $19,595,000 $332,119 $4,381 2.80%
LAS CRUCES, NM (FHA|USDA|VA) 113 $18,315,000 $162,080 $4,806 3.56%
The Dalles, OR (FHA|USDA|VA) 59 $16,245,000 $275,339 $6,503 3.26%
Rexburg, ID (FHA|USDA|VA) 61 $12,665,000 $207,623 $5,703 3.11%
Blackfoot, ID (FHA|USDA|VA) 53 $10,705,000 $201,981 $6,067 3.21%
DULUTH, MN-WI (FHA|USDA|VA) 103 $10,475,000 $101,699 $4,122 2.97%
Centralia, WA (FHA|USDA|VA) 46 $10,340,000 $224,783 $6,126 3.20%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 35 $9,325,000 $266,429 $5,736 3.07%
Outside of Metro Areas 25 $8,155,000 $326,200 $6,356 3.11%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 25 $7,975,000 $319,000 $2,937 3.04%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 20 $6,780,000 $339,000 $5,075 3.08%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 15 $6,385,000 $425,667 $6,369 3.04%
Bozeman, MT (FHA|USDA|VA) 17 $5,305,000 $312,059 $5,738 3.03%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 15 $4,995,000 $333,000 $6,653 3.13%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 12 $4,610,000 $384,167 $17,476 3.59%
BOISE CITY, ID (FHA|USDA|VA) 17 $4,535,000 $266,765 $6,168 2.99%
Show Low, AZ (FHA|USDA|VA) 23 $4,475,000 $194,565 $5,967 3.24%
CORVALLIS, OR (FHA|USDA|VA) 16 $4,460,000 $278,750 $5,011 3.16%
Hermiston-Pendleton, OR (FHA|USDA|VA) 24 $4,350,000 $181,250 $4,439 3.11%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 12 $4,210,000 $350,833 $6,629 2.91%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 14 $3,980,000 $284,286 $5,471 3.65%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $3,945,000 $563,571 $12,888 3.05%
Jackson, WY-ID (FHA|USDA|VA) 15 $3,925,000 $261,667 $6,512 3.27%
Butte-Silver Bow, MT (FHA|USDA|VA) 18 $3,760,000 $208,889 $4,624 2.81%
Hilo, HI (FHA|USDA|VA) 14 $3,660,000 $261,429 $8,685 3.40%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $3,610,000 $601,667 $8,585 3.15%
Fernley, NV (FHA|USDA|VA) 15 $3,355,000 $223,667 $7,756 3.49%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 10 $3,150,000 $315,000 $5,272 3.10%
Sandpoint, ID (FHA|USDA|VA) 9 $2,945,000 $327,222 $6,736 3.01%
Oak Harbor, WA (FHA|USDA|VA) 6 $2,750,000 $458,333 $8,274 2.94%
Newport, OR (FHA|USDA|VA) 10 $2,440,000 $244,000 $6,407 3.34%
Astoria, OR (FHA|USDA|VA) 9 $2,265,000 $251,667 $6,356 3.36%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $2,145,000 $429,000 $4,387 3.23%
Ellensburg, WA (FHA|USDA|VA) 5 $2,065,000 $413,000 $6,207 2.68%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $2,055,000 $293,571 $5,197 2.71%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 8 $1,900,000 $237,500 $4,686 3.64%
Moscow, ID (FHA|USDA|VA) 6 $1,830,000 $305,000 $7,917 3.17%
Gardnerville Ranchos, NV (FHA|USDA|VA) 5 $1,825,000 $365,000 $6,700 3.65%
TUCSON, AZ (FHA|USDA|VA) 8 $1,820,000 $227,500 $4,701 3.19%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,610,000 $402,500 $4,324 2.81%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $1,595,000 $319,000 $5,066 2.65%
PUEBLO, CO (FHA|USDA|VA) 5 $1,585,000 $317,000 $6,748 2.70%
Pahrump, NV (FHA|USDA|VA) 9 $1,505,000 $167,222 $6,256 3.48%
MEDFORD, OR (FHA|USDA|VA) 6 $1,380,000 $230,000 $5,180 3.38%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,175,000 $391,667 $7,520 3.04%
POCATELLO, ID (FHA|USDA|VA) 7 $1,165,000 $166,429 $4,499 3.83%
Roseburg, OR (FHA|USDA|VA) 5 $1,115,000 $223,000 $5,260 3.16%
Hailey, ID (FHA|USDA|VA) 3 $1,055,000 $351,667 $6,877 2.92%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $1,050,000 $525,000 $2,358 2.69%
FRESNO, CA (FHA|USDA|VA) 5 $1,045,000 $209,000 $5,111 3.25%
WALLA WALLA, WA (FHA|USDA|VA) 3 $1,035,000 $345,000 $2,625 3.21%
Kapaa, HI (FHA|USDA|VA) 2 $1,000,000 $500,000 $6,092 2.63%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 6 $990,000 $165,000 $6,642 3.00%
EL PASO, TX (FHA|USDA|VA) 5 $975,000 $195,000 $7,156 3.03%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $920,000 $460,000 $5,279 2.44%
WENATCHEE, WA (FHA|USDA|VA) 4 $920,000 $230,000 $9,905 3.25%
Pullman, WA (FHA|USDA|VA) 4 $910,000 $227,500 $4,694 2.88%
Shelton, WA (FHA|USDA|VA) 4 $910,000 $227,500 $4,737 3.38%
BELLINGHAM, WA (FHA|USDA|VA) 3 $895,000 $298,333 $2,947 3.42%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $880,000 $440,000 $7,986 3.50%
Deming, NM (FHA|USDA|VA) 7 $855,000 $122,143 $4,314 3.46%
TWIN FALLS, ID (FHA|USDA|VA) 4 $810,000 $202,500 $4,090 2.81%
CARSON CITY, NV (FHA|USDA|VA) 4 $810,000 $202,500 $5,273 3.66%
WILMINGTON, NC (FHA|USDA|VA) 2 $720,000 $360,000 $3,636 2.88%
VISALIA, CA (FHA|USDA|VA) 2 $700,000 $350,000 $3,269 3.38%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $695,000 $695,000 $20,465 2.75%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $640,000 $320,000 $4,652 2.81%
Port Angeles, WA (FHA|USDA|VA) 2 $630,000 $315,000 $5,218 2.75%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $570,000 $285,000 $6,826 2.88%
Brainerd, MN (FHA|USDA|VA) 2 $560,000 $280,000 $3,895 2.44%
Grand Rapids, MN (FHA|USDA|VA) 6 $540,000 $90,000 $3,698 3.22%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $515,000 $515,000 $2,019 2.50%
ST. GEORGE, UT (FHA|USDA|VA) 1 $515,000 $515,000 $3,113 2.63%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $505,000 $505,000 $3,572 3.00%
BOULDER, CO (FHA|USDA|VA) 2 $500,000 $250,000 $2,255 3.75%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $495,000 $495,000 $9,872 2.63%
Williston, ND (FHA|USDA|VA) 2 $490,000 $245,000 $7,314 4.13%
Aberdeen, WA (FHA|USDA|VA) 2 $440,000 $220,000 $4,459 3.38%
CASPER, WY (FHA|USDA|VA) 1 $425,000 $425,000 $7,235 2.88%
Burley, ID (FHA|USDA|VA) 2 $420,000 $210,000 $6,788 3.25%
Silver City, NM (FHA|USDA|VA) 3 $415,000 $138,333 $6,073 3.63%
Hutchinson, MN (FHA|USDA|VA) 2 $370,000 $185,000 $4,643 2.88%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $335,000 $335,000 $2,218 3.38%
Brookings, OR (FHA|USDA|VA) 1 $335,000 $335,000 $7,627 3.25%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $325,000 $325,000 $8,332 2.25%
Watertown, SD (FHA|USDA|VA) 1 $305,000 $305,000 $3,944 2.50%
MANKATO, MN (FHA|USDA|VA) 1 $285,000 $285,000 $4,548 3.25%
Klamath Falls, OR (FHA|USDA|VA) 1 $275,000 $275,000 $5,571 3.25%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $275,000 $275,000 $8,353 3.00%
Dickinson, ND (FHA|USDA|VA) 1 $275,000 $275,000 $3,891 3.63%
Elko, NV (FHA|USDA|VA) 1 $245,000 $245,000 $8,391 2.50%
Susanville, CA (FHA|USDA|VA) 1 $235,000 $235,000 $8,443 2.38%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $5,749 3.38%
RICHMOND, VA (FHA|USDA|VA) 1 $225,000 $225,000 $2,910 2.63%
ST. CLOUD, MN (FHA|USDA|VA) 1 $225,000 $225,000 $3,129 2.75%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $215,000 $215,000 $2,415 2.38%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $195,000 $195,000 $2,374 3.13%
FORT COLLINS, CO (FHA|USDA|VA) 1 $165,000 $165,000 $2,790 3.38%
Riverton, WY (FHA|USDA|VA) 1 $165,000 $165,000 $4,565 2.75%
FARGO, ND-MN (FHA|USDA|VA) 1 $155,000 $155,000 $4,557 2.88%
CaƱon City, CO (FHA|USDA|VA) 1 $155,000 $155,000 $1,269 2.88%
YAKIMA, WA (FHA|USDA|VA) 1 $135,000 $135,000 $5,480 3.50%
Willmar, MN (FHA|USDA|VA) 1 $125,000 $125,000 $3,858 2.75%
LYNCHBURG, VA (FHA|USDA|VA) 1 $115,000 $115,000 $1,459 2.25%
Moses Lake, WA (FHA|USDA|VA) 1 $95,000 $95,000 $2,688 4.13%
Ontario, OR-ID (FHA|USDA|VA) 1 $95,000 $95,000 $1,771 3.00%
Minot, ND (FHA|USDA|VA) 1 $95,000 $95,000 $1,950 2.75%
Coos Bay, OR (FHA|USDA|VA) 1 $85,000 $85,000 $3,936 2.88%
Bemidji, MN (FHA|USDA|VA) 1 $65,000 $65,000 $3,497 2.75%
Mineral Wells, TX (FHA|USDA|VA) 1 $55,000 $55,000 $2,682 4.00%
Alamogordo, NM (FHA|USDA|VA) 1 $55,000 $55,000 $3,256 4.00%
Mann Financial's top markets include Las Vegas, Seattle, Kalispell, Missoula, and Washington among others.

Their top states include:
  • Montana (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,545 $1,732,075,000 $264,641 $4,761 3.18%
    FHA 1,395 $355,095,000 $254,548 $9,890 3.28%
    VA 938 $315,050,000 $335,874 $6,473 2.89%
    USDA 331 $73,885,000 $223,218 $6,721 3.12%
    FHA 25 $2,875,000 $115,000 $0 3.07%
    Reverse Mortgage 1 $175,000 $175,000 $0 3.50%

    For 2020, Mann Financial's most frequently originated type of loan was Conventional, with 6,545 originations. Their 2nd most popular type was FHA, with 1,395 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,538 $1,178,190,000 $259,628 $6,321 3.25%
    Refi 3,105 $880,195,000 $283,477 $4,830 3.02%
    Cash Out Refi 1,592 $420,770,000 $264,303 $6,179 3.22%

    For 2020, Mann Financial's most frequently cited loan purpose was Home Purchase, with 4,538 originations. The 2nd most popular reason was Refi, with 3,105 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 8,358 $2,308,430,000 $276,194 $5,971 3.18%
    15 Year 510 $107,060,000 $209,922 $4,121 2.76%
    20 Year 155 $37,025,000 $238,871 $4,750 3.02%
    10 Year 96 $3,600,000 $37,500 $1,007 4.76%
    Other 80 $12,490,000 $156,125 $3,204 3.07%
    30+ year 31 $10,515,000 $339,194 $10,252 3.46%
    3 Year 5 $35,000 $7,000 $0 0.00%

    For 2020, Mann Financial's most frequently cited loan duration was 30 Year, with 8,358 originations. The 2nd most popular length was 15 Year, with 510 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,183 $626,135,000 $286,823
    $3k-4k 1,813 $452,635,000 $249,661
    $2k-3k 1,736 $391,610,000 $225,582
    $<1k 1,292 $254,260,000 $196,796
    $4k-5k 1,072 $328,850,000 $306,763
    $5k+ 1,036 $401,450,000 $387,500

    Mann Financial's average total fees were $5,971, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,183 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 3,811 $1,037,775,000 $272,310
    2.5-3% 3,720 $1,100,200,000 $295,753
    <2.5% 789 $219,715,000 $278,473
    4-5% 488 $110,250,000 $225,922
    5-6% 47 $7,315,000 $155,638
    7-8% 9 $95,000 $10,556
    Over 8% 1 $185,000 $185,000

    During 2020, Mann Financial's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 3,811 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,023 $1,414,395,000 $281,584 $6,311 3.14%
    $100k-200k 2,109 $336,565,000 $159,585 $4,765 3.20%
    $400k-600k 1,192 $560,750,000 $470,428 $7,170 3.07%
    $100,000 or less 707 $21,005,000 $29,710 $1,132 3.74%
    $600k-1MM 195 $136,335,000 $699,154 $10,290 3.05%
    $1MM+ 9 $10,105,000 $1,122,778 $10,252 3.01%

    2020 saw Mann Financial place emphasis on $200k-400k loans with 5,023 originations, totaling $1,414,395,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,640 $578,210,000 $219,019 $5,703 3.22%
    $75k-100k 1,800 $493,790,000 $274,328 $6,044 3.18%
    $100k-150k 1,788 $577,530,000 $323,003 $6,294 3.14%
    $50k or less 1,771 $333,315,000 $188,207 $4,873 3.13%
    $150k-250k 915 $358,205,000 $391,481 $6,154 3.11%
    $250k+ 301 $131,695,000 $437,525 $6,422 3.09%

    Mann Financial lent most frequently to those with incomes in the $50k-75k range, with 2,640 originations. The second most popular income band? $75k-100k, with 1,800 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,763 $468,685,000 $265,845 $5,097 3.08%
    30-36% 1,557 $420,055,000 $269,785 $5,753 3.18%
    <20% 595 $150,485,000 $252,916 $4,468 3.00%
    50-60% 457 $119,805,000 $262,155 $8,593 3.28%
    44% 418 $107,980,000 $258,325 $5,796 3.28%
    42% 403 $110,275,000 $273,635 $6,292 3.23%
    43% 376 $103,050,000 $274,069 $6,182 3.21%
    38% 363 $97,465,000 $268,499 $5,975 3.20%
    41% 356 $97,590,000 $274,129 $5,805 3.16%
    36% 328 $91,140,000 $277,866 $5,792 3.22%
    40% 327 $90,605,000 $277,080 $5,913 3.25%
    39% 323 $85,075,000 $263,390 $5,536 3.27%
    37% 316 $84,180,000 $266,392 $5,848 3.23%
    49% 316 $83,640,000 $264,684 $6,486 3.25%
    45% 275 $68,855,000 $250,382 $5,945 3.26%
    47% 248 $69,000,000 $278,226 $6,768 3.26%
    46% 235 $64,065,000 $272,617 $6,541 3.22%
    48% 231 $62,005,000 $268,420 $6,536 3.27%
    >60% 31 $7,615,000 $245,645 $6,221 3.41%

    Mann Financial lent most frequently to those with DTI ratios of 20-30%, with 1,763 originations. The next most common DTI ratio? 30-36%, with 1,557 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,871 $2,058,725,000 $261,558 $5,770 3.17%
    Not provided 764 $230,230,000 $301,348 $5,433 3.12%
    Asian 252 $92,210,000 $365,913 $6,121 3.15%
    Black 157 $44,525,000 $283,599 $6,160 3.14%
    American Indian 84 $18,330,000 $218,214 $5,497 3.24%
    Native Hawaiian or Islander 50 $14,600,000 $292,000 $11,175 3.42%
    Filipino 19 $6,365,000 $335,000 $7,419 3.31%
    Asian Indian 6 $3,290,000 $548,333 $4,624 3.04%
    Other Asian 6 $2,040,000 $340,000 $5,373 3.08%
    Japanese 5 $1,735,000 $347,000 $8,668 3.25%
    Other Pacific Islander 5 $1,735,000 $347,000 $8,198 3.34%
    Chinese 3 $1,265,000 $421,667 $7,250 2.88%
    Native Hawaiian 2 $1,190,000 $595,000 $9,348 3.50%
    Vietnamese 4 $1,150,000 $287,500 $2,932 2.75%
    Korean 3 $1,015,000 $338,333 $6,614 2.75%
    Guamanian 4 $750,000 $187,500 $7,322 4.04%

    Approval Rates

    Total approvals of all applications
    94.95%

    Mann Financial has an average approval rate.

    Pick Rate

    Approvals leading to origination
    63.02%

    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
    NA 9,235 $2,479,155,000 $268,452

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 375 $70,885,000 $189,027
    Single Family (1-4 Units):Site-Built 8,860 $2,408,270,000 $271,814

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 290 $51,970,000 $179,207 $3,845 2.95%
    40-60% 1,108 $273,430,000 $246,778 $4,422 2.96%
    60-80% 2,972 $868,820,000 $292,335 $5,381 3.16%
    80-100% 4,187 $1,217,185,000 $290,706 $6,922 3.20%
    Over 100% 169 $61,395,000 $363,284 $12,236 2.96%
    Under 20% 509 $6,355,000 $12,485 $175 4.38%