Mann Financial Inc. Mortgage Lending & HMDA Data, 2023
In 2023, Mann Financial Inc. of Kalispell, MT reported 3,171 mortgage applications totaling $1.1 billion, down 38% from 2022. The average application was for $335,823, and applicants reported an average income of $120,029. 80% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Missoula, MT (154), San Antonio-New Braunfels, TX (154) and Las Vegas-Henderson-Paradise, NV (145) (applications in parentheses).
| Mortgage Company & Address | Mann Financial Inc. 1220 Whitefish Stage Road Kalispell, MT 59901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 3,171 |
| Total Mortgage Loan Application Amount | $1,064,895,000 |
| Average Mortgage Loan Application Amount | $335,823 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $120,029 |
| Highest Applicant Income | $5,627,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mann Financial Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,143 | $ 344,065,000 | $ 301,019 | $ 112,173 |
| Missoula, MT | 154 | $ 65,260,000 | $ 423,766 | $ 138,000 |
| San Antonio-New Braunfels, TX | 154 | $ 40,530,000 | $ 263,181 | $ 113,000 |
| Las Vegas-Henderson-Paradise, NV | 145 | $ 52,885,000 | $ 364,724 | $ 121,000 |
| Phoenix-Mesa-Scottsdale, AZ | 141 | $ 52,685,000 | $ 373,652 | $ 133,000 |
| Longview, WA | 107 | $ 40,955,000 | $ 382,757 | $ 115,000 |
| Seattle-Bellevue-Everett, WA | 97 | $ 49,365,000 | $ 508,917 | $ 137,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 96 | $ 41,630,000 | $ 433,645 | $ 197,250 |
| Idaho Falls, ID | 86 | $ 30,080,000 | $ 349,767 | $ 103,000 |
| Salem, OR | 77 | $ 32,565,000 | $ 422,922 | $ 126,000 |
| Great Falls, MT | 76 | $ 20,740,000 | $ 272,894 | $ 90,000 |
| Las Cruces, NM | 68 | $ 16,760,000 | $ 246,470 | $ 75,000 |
| Tyler, TX | 60 | $ 14,580,000 | $ 243,000 | $ 90,000 |
| Duluth, MN-WI | 58 | $ 7,240,000 | $ 124,827 | $ 66,000 |
| Eugene, OR | 47 | $ 16,205,000 | $ 344,787 | $ 110,000 |
| Lewiston, ID-WA | 40 | $ 12,610,000 | $ 315,250 | $ 100,800 |
| Albany, OR | 38 | $ 13,540,000 | $ 356,315 | $ 122,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 38 | $ 22,600,000 | $ 594,736 | $ 200,026 |
| Spokane-Spokane Valley, WA | 36 | $ 11,060,000 | $ 307,222 | $ 95,000 |
| Houston-The Woodlands-Sugar Land, TX | 32 | $ 9,160,000 | $ 286,250 | $ 124,000 |
| Bend-Redmond, OR | 31 | $ 12,375,000 | $ 399,193 | $ 144,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 28 | $ 8,420,000 | $ 300,714 | $ 120,000 |
| Tacoma-Lakewood, WA | 28 | $ 11,170,000 | $ 398,928 | $ 106,000 |
| Reno, NV | 26 | $ 12,170,000 | $ 468,076 | $ 197,000 |
| El Paso, TX | 25 | $ 5,015,000 | $ 200,600 | $ 95,000 |
| Billings, MT | 24 | $ 7,050,000 | $ 293,750 | $ 104,000 |
| Olympia-Tumwater, WA | 18 | $ 7,610,000 | $ 422,777 | $ 126,000 |
| Bakersfield, CA | 17 | $ 5,085,000 | $ 299,117 | $ 124,000 |
| Fort Worth-Arlington, TX | 17 | $ 6,295,000 | $ 370,294 | $ 140,000 |
| Urban Honolulu, HI | 16 | $ 9,440,000 | $ 590,000 | $ 186,000 |
| Tucson, AZ | 14 | $ 4,280,000 | $ 305,714 | $ 103,000 |
| Denver-Aurora-Lakewood, CO | 12 | $ 5,070,000 | $ 422,500 | $ 110,000 |
| Longview, TX | 9 | $ 1,685,000 | $ 187,222 | $ 72,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 3,215,000 | $ 357,222 | $ 172,000 |
| Boise City, ID | 8 | $ 2,890,000 | $ 361,250 | $ 128,000 |
| Dallas-Plano-Irving, TX | 7 | $ 2,715,000 | $ 387,857 | $ 127,000 |
| Medford, OR | 7 | $ 3,165,000 | $ 452,142 | $ 135,000 |
| Mount Vernon-Anacortes, WA | 7 | $ 3,915,000 | $ 559,285 | $ 175,000 |
| Pocatello, ID | 7 | $ 1,105,000 | $ 157,857 | $ 72,000 |
| Wenatchee, WA | 7 | $ 2,575,000 | $ 367,857 | $ 84,000 |
| Prescott Valley-Prescott, AZ | 6 | $ 2,510,000 | $ 418,333 | $ 169,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 2,350,000 | $ 391,666 | $ 265,000 |
| Albuquerque, NM | 5 | $ 1,345,000 | $ 269,000 | $ 131,000 |
| Austin-Round Rock, TX | 5 | $ 1,845,000 | $ 369,000 | $ 174,000 |
| Bremerton-Silverdale, WA | 5 | $ 2,145,000 | $ 429,000 | $ 138,000 |
| Corpus Christi, TX | 5 | $ 1,315,000 | $ 263,000 | $ 109,000 |
| Corvallis, OR | 5 | $ 1,925,000 | $ 385,000 | $ 196,000 |
| Jacksonville, FL | 5 | $ 1,525,000 | $ 305,000 | $ 139,000 |
| Stockton-Lodi, CA | 5 | $ 1,735,000 | $ 347,000 | $ 102,000 |
| Amarillo, TX | 4 | $ 760,000 | $ 190,000 | $ 74,000 |
| Clarksville, TN-KY | 4 | $ 1,400,000 | $ 350,000 | $ 104,000 |
| Flagstaff, AZ | 4 | $ 1,220,000 | $ 305,000 | $ 122,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 1,270,000 | $ 317,500 | $ 132,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,380,000 | $ 345,000 | $ 110,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 1,220,000 | $ 305,000 | $ 173,000 |
| Sierra Vista-Douglas, AZ | 4 | $ 1,010,000 | $ 252,500 | $ 120,000 |
| Tallahassee, FL | 4 | $ 890,000 | $ 222,500 | $ 132,000 |
| Kansas City, MO-KS | 3 | $ 545,000 | $ 181,666 | $ 82,000 |
| Killeen-Temple, TX | 3 | $ 645,000 | $ 215,000 | $ 111,000 |
| Richmond, VA | 3 | $ 2,035,000 | $ 678,333 | $ 211,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,645,000 | $ 548,333 | $ 319,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 845,000 | $ 281,666 | $ 146,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 1,785,000 | $ 595,000 | $ 230,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 905,000 | $ 301,666 | $ 250,000 |
| Yakima, WA | 3 | $ 1,195,000 | $ 398,333 | $ 136,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 540,000 | $ 270,000 | $ 125,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 760,000 | $ 380,000 | $ 141,000 |
| Coeur D'Alene, ID | 2 | $ 600,000 | $ 300,000 | $ 91,000 |
| Colorado Springs, CO | 2 | $ 740,000 | $ 370,000 | $ 125,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 500,000 | $ 250,000 | $ 129,000 |
| Memphis, TN-MS-AR | 2 | $ 630,000 | $ 315,000 | $ 89,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 430,000 | $ 215,000 | $ 55,000 |
| Modesto, CA | 2 | $ 670,000 | $ 335,000 | $ 105,000 |
| Odessa, TX | 2 | $ 640,000 | $ 320,000 | $ 151,000 |
| St. Cloud, MN | 2 | $ 500,000 | $ 250,000 | $ 104,000 |
| Vallejo-Fairfield, CA | 2 | $ 1,140,000 | $ 570,000 | $ 217,000 |
| Bellingham, WA | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Brownsville-Harlingen, TX | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 725,000 | $ 725,000 | $ 211,000 |
| Carson City, NV | 1 | $ 645,000 | $ 645,000 | $ 231,000 |
| Charleston-North Charleston, SC | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Chico, CA | 1 | $ 315,000 | $ 315,000 | $ 130,000 |
| Cleveland, TN | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| College Station-Bryan, TX | 1 | $ 525,000 | $ 525,000 | $ 180,000 |
| Columbia, SC | 1 | $ 315,000 | $ 315,000 | $ 123,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 465,000 | $ 465,000 | $ 437,000 |
| Fort Smith, AR-OK | 1 | $ 265,000 | $ 265,000 | $ 47,000 |
| Fresno, CA | 1 | $ 415,000 | $ 415,000 | $ 153,000 |
| Grand Forks, ND-MN | 1 | $ 245,000 | $ 245,000 | $ 110,000 |
| Greeley, CO | 1 | $ 415,000 | $ 415,000 | $ 175,000 |
| Kennewick-Richland, WA | 1 | $ 505,000 | $ 505,000 | $ 168,000 |
| Knoxville, TN | 1 | $ 575,000 | $ 575,000 | $ 127,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 325,000 | $ 325,000 | $ 84,000 |
| Lakeland-Winter Haven, FL | 1 | $ 375,000 | $ 375,000 | $ 108,000 |
| Laredo, TX | 1 | $ 75,000 | $ 75,000 | $ 98,000 |
| Lubbock, TX | 1 | $ 365,000 | $ 365,000 | $ 115,000 |
| Midland, TX | 1 | $ 285,000 | $ 285,000 | $ 119,000 |
| Ocala, FL | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Pueblo, CO | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| Rochester, MN | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 555,000 | $ 555,000 | $ 535,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 495,000 | $ 495,000 | $ 248,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 405,000 | $ 405,000 | $ 100,000 |
| Santa Fe, NM | 1 | $ 365,000 | $ 365,000 | $ 72,000 |
| St. George, UT | 1 | $ 455,000 | $ 455,000 | $ 144,000 |
| Texarkana, TX-AR | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Twin Falls, ID | 1 | $ 415,000 | $ 415,000 | $ 164,000 |
| Victoria, TX | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 655,000 | $ 655,000 | $ 142,000 |
| Waco, TX | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Winston-Salem, NC | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Mann Financial Inc. in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,739 | $942,315,000 | $344,000 | $2,505,000 | $117,000 | $877,000 |
| Cash-out Refinancing | 266 | $69,760,000 | $262,000 | $1,265,000 | $142,000 | $5,627,000 |
| Refinancing | 164 | $51,770,000 | $315,000 | $1,195,000 | $135,000 | $520,000 |
| Other Purpose | 2 | $1,050,000 | $525,000 | $735,000 | $119,000 | $150,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,100 | $709,630,000 | $337,000 | $1,515,000 | $117,000 | $1,855,000 |
| Hispanic | 513 | $153,405,000 | $299,000 | $1,225,000 | $103,000 | $789,000 |
| Not Provided | 310 | $107,930,000 | $348,000 | $1,055,000 | $156,000 | $5,627,000 |
| Black or African American | 103 | $38,675,000 | $375,000 | $1,365,000 | $146,000 | $2,832,000 |
| Asian | 74 | $32,850,000 | $443,000 | $2,505,000 | $155,000 | $726,000 |
| American Indian or Alaskan Native | 39 | $11,375,000 | $291,000 | $815,000 | $105,000 | $431,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $7,175,000 | $341,000 | $705,000 | $106,000 | $185,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,769 | $609,445,000 | $344,000 | $2,505,000 | $138,000 | $5,627,000 |
| FHA-insured (Federal Housing Administration) | 1,062 | $316,600,000 | $298,000 | $735,000 | $92,000 | $590,000 |
| VA-guaranteed (Veterans Administration) | 299 | $129,455,000 | $432,000 | $1,365,000 | $114,000 | $370,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $9,395,000 | $229,000 | $355,000 | $79,000 | $130,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,545 | $868,945,000 | $341,000 | $1,515,000 | $122,000 | $877,000 |
| Application Denied By Financial Institution | 431 | $126,845,000 | $294,000 | $1,175,000 | $100,000 | $2,832,000 |
| Application Approved But Not Accepted | 71 | $22,575,000 | $317,000 | $1,135,000 | $109,000 | $343,000 |
| Application Withdrawn By Applicant | 45 | $16,665,000 | $370,000 | $935,000 | $249,000 | $5,627,000 |
| Preapproval Approved but not Accepted | 33 | $12,255,000 | $371,000 | $775,000 | $131,000 | $535,000 |
| Preapproval Denied by Financial Institution | 30 | $10,160,000 | $338,000 | $1,005,000 | $87,000 | $314,000 |
| File Closed For Incompleteness | 16 | $7,450,000 | $465,000 | $2,505,000 | $98,000 | $270,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,710 | $927,890,000 | $342,000 | $2,505,000 | $123,000 | $5,627,000 |
| Debt-To-Income Ratio | 166 | $55,140,000 | $332,000 | $1,175,000 | $67,000 | $314,000 |
| Credit History | 107 | $24,575,000 | $229,000 | $665,000 | $133,000 | $2,832,000 |
| Credit Application Incomplete | 94 | $29,190,000 | $310,000 | $745,000 | $114,000 | $434,000 |
| Collateral | 41 | $10,915,000 | $266,000 | $725,000 | $101,000 | $322,000 |
| Employment History | 19 | $6,185,000 | $325,000 | $735,000 | $75,000 | $171,000 |
| Unverifiable Information | 15 | $5,705,000 | $380,000 | $675,000 | $105,000 | $325,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,870,000 | $287,000 | $545,000 | $114,000 | $286,000 |
| Other | 9 | $2,425,000 | $269,000 | $575,000 | $132,000 | $391,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mann Financial Inc.'s 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Mann Financial Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Montana, download the full spreadsheet
with aggregated HMDA statistics today.
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