Christensen Financial, Inc. Mortgage Lending & HMDA Data, 2011
In 2011, Christensen Financial, Inc. of Altamonte Springs, FL reported 2,628 mortgage applications totaling $425.7 million, down 17% from 2010. The average application was for $162,002, and applicants reported an average income of $75,165. 48% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (299), Atlanta-Sandy Springs-Marietta, GA (160) and Houston-Sugar Land-Baytown, TX (130) (applications in parentheses).
| Mortgage Company & Address | Christensen Financial, Inc. 860 N Sr 434 Altamonte Springs, FL 32714 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,628 |
| Total Mortgage Loan Application Amount | $425,742,000 |
| Average Mortgage Loan Application Amount | $162,002 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $75,165 |
| Highest Applicant Income | $4,946,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Christensen Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange, Florida | 197 | $ 30,774,000 | $ 156,213 | $ 82,000 |
| Miami-Dade, Florida | 143 | $ 26,858,000 | $ 187,818 | $ 156,000 |
| Sarasota, Florida | 98 | $ 13,542,000 | $ 138,183 | $ 81,000 |
| Harris, Texas | 85 | $ 15,882,000 | $ 186,847 | $ 105,000 |
| Broward, Florida | 76 | $ 15,220,000 | $ 200,263 | $ 94,000 |
| St. Lucie, Florida | 63 | $ 7,194,000 | $ 114,190 | $ 63,000 |
| Osceola, Florida | 46 | $ 5,228,000 | $ 113,652 | $ 54,000 |
| Seminole, Florida | 44 | $ 7,413,000 | $ 168,477 | $ 82,000 |
| Duval, Florida | 37 | $ 5,623,000 | $ 151,972 | $ 65,000 |
| Loudon, Tennessee | 35 | $ 4,588,000 | $ 131,085 | $ 40,000 |
| Marion, Florida | 32 | $ 3,261,000 | $ 101,906 | $ 57,000 |
| Gwinnett, Georgia | 32 | $ 4,920,000 | $ 153,750 | $ 76,000 |
| Wayne, Michigan | 31 | $ 5,022,000 | $ 162,000 | $ 79,000 |
| East Baton Rouge, Louisiana | 29 | $ 3,322,000 | $ 114,551 | $ 44,000 |
| Palm Beach, Florida | 26 | $ 4,250,000 | $ 163,461 | $ 72,000 |
| Fulton, Georgia | 26 | $ 6,887,000 | $ 264,884 | $ 116,000 |
| Prince George's, Maryland | 25 | $ 5,425,000 | $ 217,000 | $ 60,000 |
| Cobb, Georgia | 24 | $ 4,436,000 | $ 184,833 | $ 96,000 |
| Baltimore, Maryland | 24 | $ 4,245,000 | $ 176,875 | $ 61,000 |
| Volusia, Florida | 23 | $ 2,742,000 | $ 119,217 | $ 58,000 |
| Harford, Maryland | 23 | $ 4,762,000 | $ 207,043 | $ 63,000 |
| Hillsborough, Florida | 22 | $ 4,299,000 | $ 195,409 | $ 90,000 |
| Lee, Florida | 22 | $ 2,952,000 | $ 134,181 | $ 82,000 |
| Polk, Florida | 21 | $ 2,265,000 | $ 107,857 | $ 50,000 |
| Macomb, Michigan | 21 | $ 3,039,000 | $ 144,714 | $ 52,000 |
| Sumner, Tennessee | 21 | $ 2,996,000 | $ 142,666 | $ 47,000 |
| Lake, Florida | 20 | $ 3,316,000 | $ 165,800 | $ 79,000 |
| Cherokee, Georgia | 20 | $ 3,807,000 | $ 190,350 | $ 75,000 |
| Fort Bend, Texas | 19 | $ 3,236,000 | $ 170,315 | $ 82,000 |
| Knox, Tennessee | 18 | $ 2,278,000 | $ 126,555 | $ 59,000 |
| Collin, Texas | 18 | $ 3,851,000 | $ 213,944 | $ 112,000 |
| Escambia, Florida | 17 | $ 2,716,000 | $ 159,764 | $ 76,000 |
| Forsyth, Georgia | 17 | $ 2,833,000 | $ 166,647 | $ 77,000 |
| Montgomery, Texas | 17 | $ 3,068,000 | $ 180,470 | $ 105,000 |
| Jefferson, Alabama | 16 | $ 3,617,000 | $ 226,062 | $ 143,000 |
| Charlotte, Florida | 16 | $ 1,971,000 | $ 123,187 | $ 85,000 |
| El Paso, Texas | 16 | $ 2,546,000 | $ 159,125 | $ 72,000 |
| Oakland, Michigan | 14 | $ 2,442,000 | $ 174,428 | $ 93,000 |
| Pinellas, Florida | 13 | $ 2,675,000 | $ 205,769 | $ 78,000 |
| McMinn, Tennessee | 13 | $ 1,220,000 | $ 93,846 | $ 41,000 |
| Santa Rosa, Florida | 12 | $ 2,264,000 | $ 188,666 | $ 84,000 |
| Brevard, Florida | 11 | $ 1,756,000 | $ 159,636 | $ 80,000 |
| Madison, Alabama | 10 | $ 1,511,000 | $ 151,100 | $ 79,000 |
| Dallas, Texas | 10 | $ 2,228,000 | $ 222,800 | $ 130,000 |
| Manatee, Florida | 9 | $ 1,422,000 | $ 158,000 | $ 100,000 |
| DeKalb, Georgia | 9 | $ 1,411,000 | $ 156,777 | $ 45,000 |
| Horry, South Carolina | 9 | $ 1,150,000 | $ 127,777 | $ 48,000 |
| Davidson, Tennessee | 9 | $ 1,317,000 | $ 146,333 | $ 40,000 |
| Baltimore City, Maryland | 8 | $ 1,587,000 | $ 198,375 | $ 52,000 |
| Roane, Tennessee | 8 | $ 1,363,000 | $ 170,375 | $ 48,000 |
| Denton, Texas | 8 | $ 2,026,000 | $ 253,250 | $ 207,000 |
| Travis, Texas | 8 | $ 2,476,000 | $ 309,500 | $ 128,000 |
| Shelby, Alabama | 7 | $ 1,413,000 | $ 201,857 | $ 110,000 |
| Arapahoe, Colorado | 7 | $ 1,237,000 | $ 176,714 | $ 66,000 |
| St. Johns, Florida | 7 | $ 1,244,000 | $ 177,714 | $ 89,000 |
| Henry, Georgia | 7 | $ 880,000 | $ 125,714 | $ 74,000 |
| Blount, Tennessee | 7 | $ 1,078,000 | $ 154,000 | $ 45,000 |
| Bexar, Texas | 7 | $ 1,420,000 | $ 202,857 | $ 122,000 |
| Galveston, Texas | 7 | $ 779,000 | $ 111,285 | $ 73,000 |
| Tarrant, Texas | 7 | $ 1,708,000 | $ 244,000 | $ 100,000 |
| Martin, Florida | 6 | $ 1,037,000 | $ 172,833 | $ 100,000 |
| Pasco, Florida | 6 | $ 673,000 | $ 112,166 | $ 60,000 |
| Hall, Georgia | 6 | $ 1,084,000 | $ 180,666 | $ 84,000 |
| Ascension, Louisiana | 6 | $ 1,698,000 | $ 283,000 | $ 138,000 |
| Livingston, Louisiana | 6 | $ 772,000 | $ 128,666 | $ 47,000 |
| Anne Arundel, Maryland | 6 | $ 1,943,000 | $ 323,833 | $ 122,000 |
| Grand Traverse, Michigan | 6 | $ 893,000 | $ 148,833 | $ 43,000 |
| Hamilton, Tennessee | 6 | $ 829,000 | $ 138,166 | $ 44,000 |
| District of Columbia, District Of Columbia | 5 | $ 1,815,000 | $ 363,000 | $ 97,000 |
| Collier, Florida | 5 | $ 561,000 | $ 112,200 | $ 68,000 |
| Jackson, Georgia | 5 | $ 1,080,000 | $ 216,000 | $ 51,000 |
| Paulding, Georgia | 5 | $ 953,000 | $ 190,600 | $ 45,000 |
| Rockdale, Georgia | 5 | $ 900,000 | $ 180,000 | $ 75,000 |
| Montgomery, Maryland | 5 | $ 3,314,000 | $ 662,800 | $ 184,000 |
| Cumberland, Tennessee | 5 | $ 508,000 | $ 101,600 | $ 26,000 |
| Robertson, Tennessee | 5 | $ 714,000 | $ 142,800 | $ 48,000 |
| Rutherford, Tennessee | 5 | $ 971,000 | $ 194,200 | $ 63,000 |
| Shelby, Tennessee | 5 | $ 1,136,000 | $ 227,200 | $ 79,000 |
| Lee, Alabama | 4 | $ 634,000 | $ 158,500 | $ 71,000 |
| Clay, Florida | 4 | $ 588,000 | $ 147,000 | $ 43,000 |
| Gulf, Florida | 4 | $ 820,000 | $ 205,000 | $ 120,000 |
| Coweta, Georgia | 4 | $ 1,151,000 | $ 287,750 | $ 158,000 |
| Fayette, Georgia | 4 | $ 788,000 | $ 197,000 | $ 104,000 |
| Cecil, Maryland | 4 | $ 756,000 | $ 189,000 | $ 33,000 |
| Washtenaw, Michigan | 4 | $ 594,000 | $ 148,500 | $ 76,000 |
| Monroe, Tennessee | 4 | $ 424,000 | $ 106,000 | $ 41,000 |
| Ellis, Texas | 4 | $ 1,168,000 | $ 292,000 | $ 127,000 |
| Rockwall, Texas | 4 | $ 715,000 | $ 178,750 | $ 90,000 |
| Williamson, Texas | 4 | $ 641,000 | $ 160,250 | $ 80,000 |
| Chesterfield, Virginia | 4 | $ 582,000 | $ 145,500 | $ 47,000 |
| Richmond City, Virginia | 4 | $ 484,000 | $ 121,000 | $ 41,000 |
| Marshall, Alabama | 3 | $ 421,000 | $ 140,333 | $ 36,000 |
| Mobile, Alabama | 3 | $ 395,000 | $ 131,666 | $ 66,000 |
| Morgan, Alabama | 3 | $ 644,000 | $ 214,666 | $ 112,000 |
| Tuscaloosa, Alabama | 3 | $ 401,000 | $ 133,666 | $ 74,000 |
| Adams, Colorado | 3 | $ 441,000 | $ 147,000 | $ 36,000 |
| Bradford, Florida | 3 | $ 501,000 | $ 167,000 | $ 89,000 |
| Highlands, Florida | 3 | $ 349,000 | $ 116,333 | $ 81,000 |
| Barrow, Georgia | 3 | $ 416,000 | $ 138,666 | $ 51,000 |
| Chatham, Georgia | 3 | $ 541,000 | $ 180,333 | $ 107,000 |
| Dawson, Georgia | 3 | $ 399,000 | $ 133,000 | $ 48,000 |
| Douglas, Georgia | 3 | $ 368,000 | $ 122,666 | $ 54,000 |
| Fannin, Georgia | 3 | $ 515,000 | $ 171,666 | $ 60,000 |
| Glynn, Georgia | 3 | $ 424,000 | $ 141,333 | $ 51,000 |
| Charles, Maryland | 3 | $ 1,474,000 | $ 491,333 | $ 0 |
| Howard, Maryland | 3 | $ 845,000 | $ 281,666 | $ 111,000 |
| Anderson, Tennessee | 3 | $ 319,000 | $ 106,333 | $ 22,000 |
| Cheatham, Tennessee | 3 | $ 473,000 | $ 157,666 | $ 70,000 |
| Jefferson, Tennessee | 3 | $ 323,000 | $ 107,666 | $ 35,000 |
| Montgomery, Tennessee | 3 | $ 340,000 | $ 113,333 | $ 49,000 |
| Hampton, Virginia | 3 | $ 439,000 | $ 146,333 | $ 53,000 |
| Newport News, Virginia | 3 | $ 643,000 | $ 214,333 | $ 91,000 |
| Norfolk, Virginia | 3 | $ 467,000 | $ 155,666 | $ 58,000 |
| Virginia Beach, Virginia | 3 | $ 613,000 | $ 204,333 | $ 55,000 |
| Baldwin, Alabama | 2 | $ 333,000 | $ 166,500 | $ 74,000 |
| Bibb, Alabama | 2 | $ 252,000 | $ 126,000 | $ 71,000 |
| Clarke, Alabama | 2 | $ 131,000 | $ 65,500 | $ 68,000 |
| Colbert, Alabama | 2 | $ 219,000 | $ 109,500 | $ 39,000 |
| Elmore, Alabama | 2 | $ 333,000 | $ 166,500 | $ 64,000 |
| Lauderdale, Alabama | 2 | $ 234,000 | $ 117,000 | $ 38,000 |
| Limestone, Alabama | 2 | $ 236,000 | $ 118,000 | $ 40,000 |
| Russell, Alabama | 2 | $ 332,000 | $ 166,000 | $ 39,000 |
| Denver, Colorado | 2 | $ 572,000 | $ 286,000 | $ 96,000 |
| Alachua, Florida | 2 | $ 457,000 | $ 228,500 | $ 160,000 |
| Okaloosa, Florida | 2 | $ 555,000 | $ 277,500 | $ 55,000 |
| Sumter, Florida | 2 | $ 386,000 | $ 193,000 | $ 47,000 |
| Bartow, Georgia | 2 | $ 330,000 | $ 165,000 | $ 56,000 |
| Bibb, Georgia | 2 | $ 280,000 | $ 140,000 | $ 59,000 |
| Clayton, Georgia | 2 | $ 249,000 | $ 124,500 | $ 85,000 |
| Columbia, Georgia | 2 | $ 267,000 | $ 133,500 | $ 51,000 |
| Floyd, Georgia | 2 | $ 441,000 | $ 220,500 | $ 24,000 |
| Gordon, Georgia | 2 | $ 171,000 | $ 85,500 | $ 24,000 |
| Harris, Georgia | 2 | $ 284,000 | $ 142,000 | $ 51,000 |
| Lowndes, Georgia | 2 | $ 232,000 | $ 116,000 | $ 43,000 |
| Muscogee, Georgia | 2 | $ 300,000 | $ 150,000 | $ 74,000 |
| Newton, Georgia | 2 | $ 131,000 | $ 65,500 | $ 73,000 |
| Richmond, Georgia | 2 | $ 320,000 | $ 160,000 | $ 38,000 |
| Jefferson, Louisiana | 2 | $ 308,000 | $ 154,000 | $ 51,000 |
| Wicomico, Maryland | 2 | $ 347,000 | $ 173,500 | $ 18,000 |
| Antrim, Michigan | 2 | $ 335,000 | $ 167,500 | $ 45,000 |
| Bay, Michigan | 2 | $ 319,000 | $ 159,500 | $ 0 |
| Kalamazoo, Michigan | 2 | $ 2,738,000 | $ 1,369,000 | $ 280,000 |
| Charleston, South Carolina | 2 | $ 179,000 | $ 89,500 | $ 47,000 |
| York, South Carolina | 2 | $ 223,000 | $ 111,500 | $ 92,000 |
| Claiborne, Tennessee | 2 | $ 213,000 | $ 106,500 | $ 39,000 |
| Cocke, Tennessee | 2 | $ 264,000 | $ 132,000 | $ 53,000 |
| Grainger, Tennessee | 2 | $ 244,000 | $ 122,000 | $ 24,000 |
| Macon, Tennessee | 2 | $ 156,000 | $ 78,000 | $ 68,000 |
| Sullivan, Tennessee | 2 | $ 207,000 | $ 103,500 | $ 35,000 |
| Wilson, Tennessee | 2 | $ 304,000 | $ 152,000 | $ 32,000 |
| Brazoria, Texas | 2 | $ 293,000 | $ 146,500 | $ 77,000 |
| Brazos, Texas | 2 | $ 437,000 | $ 218,500 | $ 125,000 |
| Polk, Texas | 2 | $ 244,000 | $ 122,000 | $ 70,000 |
| Robertson, Texas | 2 | $ 180,000 | $ 90,000 | $ 29,000 |
| Starr, Texas | 2 | $ 180,000 | $ 90,000 | $ 52,000 |
| Waller, Texas | 2 | $ 132,000 | $ 66,000 | $ 70,000 |
| Fairfax, Virginia | 2 | $ 788,000 | $ 394,000 | $ 105,000 |
| Prince George, Virginia | 2 | $ 207,000 | $ 103,500 | $ 149,000 |
| Prince William, Virginia | 2 | $ 634,000 | $ 317,000 | $ 56,000 |
| Stafford, Virginia | 2 | $ 720,000 | $ 360,000 | $ 58,000 |
| Autauga, Alabama | 1 | $ 140,000 | $ 140,000 | $ 43,000 |
| Barbour, Alabama | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Blount, Alabama | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Calhoun, Alabama | 1 | $ 148,000 | $ 148,000 | $ 70,000 |
| Chilton, Alabama | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Clay, Alabama | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Cleburne, Alabama | 1 | $ 218,000 | $ 218,000 | $ 117,000 |
| Etowah, Alabama | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Hale, Alabama | 1 | $ 90,000 | $ 90,000 | $ 49,000 |
| Jackson, Alabama | 1 | $ 142,000 | $ 142,000 | $ 48,000 |
| Pickens, Alabama | 1 | $ 214,000 | $ 214,000 | $ 66,000 |
| St. Clair, Alabama | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Sumter, Alabama | 1 | $ 117,000 | $ 117,000 | $ 48,000 |
| Talladega, Alabama | 1 | $ 112,000 | $ 112,000 | $ 60,000 |
| Walker, Alabama | 1 | $ 78,000 | $ 78,000 | $ 30,000 |
| Broomfield, Colorado | 1 | $ 270,000 | $ 270,000 | $ 117,000 |
| Bay, Florida | 1 | $ 199,000 | $ 199,000 | $ 47,000 |
| Indian River, Florida | 1 | $ 96,000 | $ 96,000 | $ 136,000 |
| Monroe, Florida | 1 | $ 487,000 | $ 487,000 | $ 427,000 |
| Okeechobee, Florida | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| Brooks, Georgia | 1 | $ 169,000 | $ 169,000 | $ 24,000 |
| Bryan, Georgia | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| Camden, Georgia | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Catoosa, Georgia | 1 | $ 148,000 | $ 148,000 | $ 75,000 |
| Clarke, Georgia | 1 | $ 208,000 | $ 208,000 | $ 113,000 |
| Dougherty, Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Franklin, Georgia | 1 | $ 122,000 | $ 122,000 | $ 25,000 |
| Grady, Georgia | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Habersham, Georgia | 1 | $ 106,000 | $ 106,000 | $ 34,000 |
| Houston, Georgia | 1 | $ 112,000 | $ 112,000 | $ 73,000 |
| Jasper, Georgia | 1 | $ 114,000 | $ 114,000 | $ 67,000 |
| Jones, Georgia | 1 | $ 194,000 | $ 194,000 | $ 112,000 |
| Lee, Georgia | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Liberty, Georgia | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Lumpkin, Georgia | 1 | $ 90,000 | $ 90,000 | $ 154,000 |
| McDuffie, Georgia | 1 | $ 108,000 | $ 108,000 | $ 23,000 |
| Meriwether, Georgia | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Pickens, Georgia | 1 | $ 227,000 | $ 227,000 | $ 40,000 |
| Spalding, Georgia | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Troup, Georgia | 1 | $ 63,000 | $ 63,000 | $ 61,000 |
| Wayne, Georgia | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Whitfield, Georgia | 1 | $ 103,000 | $ 103,000 | $ 80,000 |
| Ouachita, Louisiana | 1 | $ 256,000 | $ 256,000 | $ 98,000 |
| St. John the Baptist, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| St. Tammany, Louisiana | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Tangipahoa, Louisiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Webster, Louisiana | 1 | $ 128,000 | $ 128,000 | $ 49,000 |
| West Baton Rouge, Louisiana | 1 | $ 274,000 | $ 274,000 | $ 139,000 |
| Calvert, Maryland | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Carroll, Maryland | 1 | $ 118,000 | $ 118,000 | $ 174,000 |
| Worcester, Maryland | 1 | $ 367,000 | $ 367,000 | $ 0 |
| Arenac, Michigan | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Charlevoix, Michigan | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Clinton, Michigan | 1 | $ 60,000 | $ 60,000 | $ 96,000 |
| Eaton, Michigan | 1 | $ 202,000 | $ 202,000 | $ 68,000 |
| Emmet, Michigan | 1 | $ 121,000 | $ 121,000 | $ 35,000 |
| Ingham, Michigan | 1 | $ 129,000 | $ 129,000 | $ 59,000 |
| Jackson, Michigan | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Livingston, Michigan | 1 | $ 71,000 | $ 71,000 | $ 63,000 |
| Manistee, Michigan | 1 | $ 113,000 | $ 113,000 | $ 70,000 |
| Monroe, Michigan | 1 | $ 123,000 | $ 123,000 | $ 54,000 |
| St. Clair, Michigan | 1 | $ 191,000 | $ 191,000 | $ 46,000 |
| Wexford, Michigan | 1 | $ 167,000 | $ 167,000 | $ 0 |
| DeSoto, Mississippi | 1 | $ 118,000 | $ 118,000 | $ 92,000 |
| Hancock, Mississippi | 1 | $ 129,000 | $ 129,000 | $ 38,000 |
| Rankin, Mississippi | 1 | $ 197,000 | $ 197,000 | $ 61,000 |
| Cabarrus, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 69,000 |
| York, Pennsylvania | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Aiken, South Carolina | 1 | $ 249,000 | $ 249,000 | $ 95,000 |
| Georgetown, South Carolina | 1 | $ 142,000 | $ 142,000 | $ 43,000 |
| Greenwood, South Carolina | 1 | $ 88,000 | $ 88,000 | $ 28,000 |
| Richland, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 19,000 |
| Bedford, Tennessee | 1 | $ 129,000 | $ 129,000 | $ 69,000 |
| Gibson, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Giles, Tennessee | 1 | $ 273,000 | $ 273,000 | $ 144,000 |
| Greene, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Madison, Tennessee | 1 | $ 91,000 | $ 91,000 | $ 35,000 |
| Maury, Tennessee | 1 | $ 142,000 | $ 142,000 | $ 76,000 |
| Meigs, Tennessee | 1 | $ 76,000 | $ 76,000 | $ 48,000 |
| Morgan, Tennessee | 1 | $ 206,000 | $ 206,000 | $ 47,000 |
| Putnam, Tennessee | 1 | $ 60,000 | $ 60,000 | $ 71,000 |
| Washington, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| Williamson, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Aransas, Texas | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| Brown, Texas | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Calhoun, Texas | 1 | $ 159,000 | $ 159,000 | $ 64,000 |
| Callahan, Texas | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Grayson, Texas | 1 | $ 143,000 | $ 143,000 | $ 77,000 |
| Hardin, Texas | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Hays, Texas | 1 | $ 354,000 | $ 354,000 | $ 91,000 |
| Jasper, Texas | 1 | $ 102,000 | $ 102,000 | $ 44,000 |
| Jefferson, Texas | 1 | $ 226,000 | $ 226,000 | $ 148,000 |
| Johnson, Texas | 1 | $ 212,000 | $ 212,000 | $ 128,000 |
| McLennan, Texas | 1 | $ 253,000 | $ 253,000 | $ 75,000 |
| Midland, Texas | 1 | $ 116,000 | $ 116,000 | $ 36,000 |
| Nueces, Texas | 1 | $ 99,000 | $ 99,000 | $ 124,000 |
| Real, Texas | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Tom Green, Texas | 1 | $ 144,000 | $ 144,000 | $ 62,000 |
| Wichita, Texas | 1 | $ 96,000 | $ 96,000 | $ 120,000 |
| Essex, Virginia | 1 | $ 166,000 | $ 166,000 | $ 34,000 |
| Henrico, Virginia | 1 | $ 120,000 | $ 120,000 | $ 49,000 |
| Isle of Wight, Virginia | 1 | $ 380,000 | $ 380,000 | $ 79,000 |
| King George, Virginia | 1 | $ 318,000 | $ 318,000 | $ 0 |
| Loudoun, Virginia | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Mecklenburg, Virginia | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
| Montgomery, Virginia | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Petersburg, Virginia | 1 | $ 106,000 | $ 106,000 | $ 61,000 |
| Portsmouth, Virginia | 1 | $ 161,000 | $ 161,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Christensen Financial, Inc. in 2011
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 | 1,786 | $258,300,000 | $144,000 | $1,212,000 | $71,000 | $4,946,000 |
| Refinancing | 842 | $167,442,000 | $198,000 | $2,500,000 | $84,000 | $1,200,000 |
| Home Improvement | 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 | 1,745 | $288,082,000 | $165,000 | $1,850,000 | $81,000 | $4,946,000 |
| Black or African American | 382 | $57,059,000 | $149,000 | $947,000 | $56,000 | $420,000 |
| Hispanic | 347 | $48,395,000 | $139,000 | $1,250,000 | $61,000 | $429,000 |
| Asian | 87 | $15,706,000 | $180,000 | $614,000 | $85,000 | $388,000 |
| Not Provided | 61 | $15,199,000 | $249,000 | $2,500,000 | $95,000 | $480,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $981,000 | $245,000 | $364,000 | $83,000 | $114,000 |
| American Indian or Alaskan Native | 2 | $320,000 | $160,000 | $161,000 | $69,000 | $74,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,151 | $165,213,000 | $143,000 | $679,000 | $51,000 | $368,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,111 | $205,961,000 | $185,000 | $2,500,000 | $109,000 | $4,946,000 |
| VA-guaranteed (Veterans Administration) | 192 | $33,709,000 | $175,000 | $426,000 | $60,000 | $199,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 174 | $20,859,000 | $119,000 | $320,000 | $41,000 | $151,000 |
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 | 1,274 | $213,680,000 | $167,000 | $1,850,000 | $86,000 | $4,946,000 |
| Application Withdrawn By Applicant | 1,000 | $158,784,000 | $158,000 | $1,250,000 | $67,000 | $2,145,000 |
| Application Denied By Financial Institution | 277 | $36,959,000 | $133,000 | $947,000 | $56,000 | $428,000 |
| File Closed For Incompleteness | 61 | $13,567,000 | $222,000 | $2,500,000 | $82,000 | $450,000 |
| Application Approved But Not Accepted | 16 | $2,752,000 | $172,000 | $371,000 | $91,000 | $200,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Credit History | 103 | $11,692,000 | $113,000 | $322,000 | $39,000 | $135,000 |
| Debt-To-Income Ratio | 52 | $7,733,000 | $148,000 | $947,000 | $57,000 | $398,000 |
| Collateral | 28 | $4,213,000 | $150,000 | $417,000 | $103,000 | $279,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,391,000 | $115,000 | $396,000 | $45,000 | $135,000 |
| Other | 10 | $1,427,000 | $142,000 | $235,000 | $67,000 | $175,000 |
| Employment History | 8 | $1,361,000 | $170,000 | $415,000 | $45,000 | $110,000 |
| Unverifiable Information | 7 | $807,000 | $115,000 | $163,000 | $54,000 | $90,000 |
| Credit Application Incomplete | 3 | $289,000 | $96,000 | $124,000 | $41,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Christensen Financial, Inc.'s 2011 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 Christensen 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 Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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