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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
30 Year Conventional Purchase | 6.73% | 9/1/24 |
30 Year Conventional Refi | 6.71% | 9/1/24 |
30 Year Cash-out Refi | 6.99% | 9/1/24 |
30 Year FHA Purchase | 7.62% | 9/1/24 |
30 Year FHA Refi | 7.28% | 9/1/24 |
30 Year VA Purchase | 6.38% | 9/1/24 |
30 Year VA Refi | 6.27% | 9/1/24 |
30 Year USDA Purchase | 6.87% | 9/1/24 |
15 Year Conventional Purchase | 6.63% | 9/1/24 |
15 Year Conventional Refi | 6.32% | 9/1/24 |
15 Year Cash-out Refi | 6.32% | 9/1/24 |
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
9,235Origination Dollar Volume (All Markets)
$2,479,155,000MANN FINANCIAL - 2020
MANN FINANCIAL is a 2020 , due to their low .
For 2020, 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) | 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% |
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Product Mix
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
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
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
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
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
2020 saw Mann Financial place emphasis on $200k-400k loans with 5,023 originations, totaling $1,414,395,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications94.95%
Mann Financial has an average approval rate.
Pick Rate
Approvals leading to origination63.02%
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 |