Christensen Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Christensen Financial, Inc. 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 1,729 |
| Total Mortgage Loan Application Amount | $347,542,000 |
| Average Mortgage Loan Application Amount | $202,000 |
| Highest Mortgage Loan Application Amount | $1,359,000 |
| Average Applicant Income | $81,333 |
| Highest Applicant Income | $1,680,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Christensen Financial, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Christensen Financial, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Christensen Financial, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Christensen Financial, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Christensen Financial, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Christensen Financial, Inc.'s mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sarasota County Florida | 284 | $ 53,322,000 | $ 187,000 | $ 79,000 |
| Orange County Florida | 199 | $ 40,103,000 | $ 201,000 | $ 83,000 |
| St. Lucie County Florida | 119 | $ 20,572,000 | $ 172,000 | $ 76,000 |
| Broward County Florida | 118 | $ 30,916,000 | $ 262,000 | $ 119,000 |
| Charlotte County Florida | 59 | $ 9,365,000 | $ 158,000 | $ 69,000 |
| Lake County Florida | 59 | $ 10,151,000 | $ 172,000 | $ 67,000 |
| Seminole County Florida | 55 | $ 11,253,000 | $ 204,000 | $ 99,000 |
| Osceola County Florida | 53 | $ 9,730,000 | $ 183,000 | $ 57,000 |
| Polk County Florida | 46 | $ 5,584,000 | $ 121,000 | $ 43,000 |
| Manatee County Florida | 43 | $ 9,755,000 | $ 226,000 | $ 112,000 |
| Miami-Dade County Florida | 41 | $ 12,748,000 | $ 310,000 | $ 206,000 |
| Volusia County Florida | 40 | $ 5,908,000 | $ 147,000 | $ 67,000 |
| Marion County Florida | 39 | $ 5,355,000 | $ 137,000 | $ 59,000 |
| Palm Beach County Florida | 28 | $ 6,716,000 | $ 239,000 | $ 109,000 |
| Cobb County Georgia | 27 | $ 6,556,000 | $ 242,000 | $ 80,000 |
| Sumner County Tennessee | 27 | $ 5,415,000 | $ 200,000 | $ 60,000 |
| Fulton County Georgia | 24 | $ 5,242,000 | $ 218,000 | $ 87,000 |
| Gwinnett County Georgia | 24 | $ 6,089,000 | $ 253,000 | $ 96,000 |
| Hillsborough County Florida | 23 | $ 4,322,000 | $ 187,000 | $ 70,000 |
| Brevard County Florida | 22 | $ 4,701,000 | $ 213,000 | $ 90,000 |
| Robertson County Tennessee | 14 | $ 2,691,000 | $ 192,000 | $ 86,000 |
| Pinellas County Florida | 13 | $ 1,737,000 | $ 133,000 | $ 48,000 |
| Hall County Georgia | 12 | $ 2,978,000 | $ 248,000 | $ 103,000 |
| Martin County Florida | 11 | $ 2,699,000 | $ 245,000 | $ 113,000 |
| Cherokee County Georgia | 10 | $ 1,998,000 | $ 199,000 | $ 51,000 |
| Pasco County Florida | 9 | $ 1,130,000 | $ 125,000 | $ 45,000 |
| DeKalb County Georgia | 9 | $ 1,712,000 | $ 190,000 | $ 123,000 |
| Forsyth County Georgia | 8 | $ 1,943,000 | $ 242,000 | $ 68,000 |
| Davidson County Tennessee | 7 | $ 1,204,000 | $ 172,000 | $ 47,000 |
| Chesterfield County Virginia | 6 | $ 1,787,000 | $ 297,000 | $ 102,000 |
| Madison County Alabama | 5 | $ 1,318,000 | $ 263,000 | $ 74,000 |
| Mobile County Alabama | 5 | $ 786,000 | $ 157,000 | $ 41,000 |
| Collier County Florida | 5 | $ 1,305,000 | $ 261,000 | $ 126,000 |
| Santa Rosa County Florida | 5 | $ 841,000 | $ 168,000 | $ 96,000 |
| Barrow County Georgia | 5 | $ 831,000 | $ 166,000 | $ 72,000 |
| Coweta County Georgia | 5 | $ 1,031,000 | $ 206,000 | $ 51,000 |
| Henry County Georgia | 5 | $ 1,007,000 | $ 201,000 | $ 55,000 |
| Ellis County Texas | 5 | $ 936,000 | $ 187,000 | $ 88,000 |
| Lee County Florida | 4 | $ 780,000 | $ 195,000 | $ 75,000 |
| Sumter County Florida | 4 | $ 865,000 | $ 216,000 | $ 91,000 |
| Walton County Georgia | 4 | $ 636,000 | $ 159,000 | $ 77,000 |
| Dickson County Tennessee | 4 | $ 773,000 | $ 193,000 | $ 60,000 |
| Citrus County Florida | 3 | $ 500,000 | $ 166,000 | $ 95,000 |
| Escambia County Florida | 3 | $ 455,000 | $ 151,000 | $ 46,000 |
| Hernando County Florida | 3 | $ 447,000 | $ 149,000 | $ 67,000 |
| Putnam County Florida | 3 | $ 423,000 | $ 141,000 | $ 94,000 |
| Douglas County Georgia | 3 | $ 827,000 | $ 275,000 | $ 130,000 |
| Fayette County Georgia | 3 | $ 591,000 | $ 197,000 | $ 66,000 |
| Paulding County Georgia | 3 | $ 720,000 | $ 240,000 | $ 89,000 |
| St. Charles County Missouri | 3 | $ 589,000 | $ 196,000 | $ 92,000 |
| St. Louis County Missouri | 3 | $ 442,000 | $ 147,000 | $ 47,000 |
| Collin County Texas | 3 | $ 573,000 | $ 191,000 | $ 87,000 |
| Denton County Texas | 3 | $ 997,000 | $ 332,000 | $ 106,000 |
| Fairfax County Virginia | 3 | $ 1,313,000 | $ 437,000 | $ 102,000 |
| Virginia Beach County Virginia | 3 | $ 635,000 | $ 211,000 | $ 71,000 |
| Elmore County Alabama | 2 | $ 421,000 | $ 210,000 | $ 134,000 |
| Jefferson County Alabama | 2 | $ 329,000 | $ 164,000 | $ 94,000 |
| St. Clair County Alabama | 2 | $ 363,000 | $ 181,000 | $ 45,000 |
| Duval County Florida | 2 | $ 408,000 | $ 204,000 | $ 75,000 |
| Indian River County Florida | 2 | $ 322,000 | $ 161,000 | $ 93,000 |
| Okeechobee County Florida | 2 | $ 277,000 | $ 138,000 | $ 58,000 |
| Clayton County Georgia | 2 | $ 241,000 | $ 120,000 | $ 22,000 |
| Montgomery County Maryland | 2 | $ 515,000 | $ 257,000 | $ 166,000 |
| Prince George's County Maryland | 2 | $ 795,000 | $ 397,000 | $ 82,000 |
| Charleston County South Carolina | 2 | $ 494,000 | $ 247,000 | $ 52,000 |
| Greenville County South Carolina | 2 | $ 289,000 | $ 144,000 | $ 56,000 |
| Horry County South Carolina | 2 | $ 341,000 | $ 170,000 | $ 61,000 |
| Cheatham County Tennessee | 2 | $ 328,000 | $ 164,000 | $ 68,000 |
| Fayette County Tennessee | 2 | $ 220,000 | $ 110,000 | $ 12,000 |
| Montgomery County Tennessee | 2 | $ 390,000 | $ 195,000 | $ 47,000 |
| Roane County Tennessee | 2 | $ 306,000 | $ 153,000 | $ 67,000 |
| Sequatchie County Tennessee | 2 | $ 403,000 | $ 201,000 | $ 51,000 |
| Williamson County Tennessee | 2 | $ 102,000 | $ 51,000 | $ 17,000 |
| Tarrant County Texas | 2 | $ 365,000 | $ 182,000 | $ 137,000 |
| Campbell County Virginia | 2 | $ 352,000 | $ 176,000 | $ 50,000 |
| Chesapeake County Virginia | 2 | $ 401,000 | $ 200,000 | $ 47,000 |
| Henrico County Virginia | 2 | $ 312,000 | $ 156,000 | $ 47,000 |
| Loudoun County Virginia | 2 | $ 561,000 | $ 280,000 | $ 105,000 |
| Spotsylvania County Virginia | 2 | $ 537,000 | $ 268,000 | $ 106,000 |
| York County Virginia | 2 | $ 639,000 | $ 319,000 | $ 0 |
| Baldwin County Alabama | 1 | $ 198,000 | $ 198,000 | $ 46,000 |
| Escambia County Alabama | 1 | $ 142,000 | $ 142,000 | $ 33,000 |
| Houston County Alabama | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Limestone County Alabama | 1 | $ 229,000 | $ 229,000 | $ 47,000 |
| Randolph County Alabama | 1 | $ 122,000 | $ 122,000 | $ 116,000 |
| Russell County Alabama | 1 | $ 228,000 | $ 228,000 | $ 108,000 |
| Shelby County Alabama | 1 | $ 162,000 | $ 162,000 | $ 125,000 |
| Tuscaloosa County Alabama | 1 | $ 172,000 | $ 172,000 | $ 49,000 |
| Walker County Alabama | 1 | $ 195,000 | $ 195,000 | $ 30,000 |
| Alachua County Florida | 1 | $ 85,000 | $ 85,000 | $ 200,000 |
| DeSoto County Florida | 1 | $ 201,000 | $ 201,000 | $ 90,000 |
| Gadsden County Florida | 1 | $ 189,000 | $ 189,000 | $ 82,000 |
| Highlands County Florida | 1 | $ 198,000 | $ 198,000 | $ 101,000 |
| Leon County Florida | 1 | $ 417,000 | $ 417,000 | $ 142,000 |
| Okaloosa County Florida | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Wakulla County Florida | 1 | $ 143,000 | $ 143,000 | $ 46,000 |
| Walton County Florida | 1 | $ 203,000 | $ 203,000 | $ 302,000 |
| Camden County Georgia | 1 | $ 369,000 | $ 369,000 | $ 0 |
| Carroll County Georgia | 1 | $ 160,000 | $ 160,000 | $ 48,000 |
| Effingham County Georgia | 1 | $ 191,000 | $ 191,000 | $ 73,000 |
| Gilmer County Georgia | 1 | $ 153,000 | $ 153,000 | $ 162,000 |
| Glynn County Georgia | 1 | $ 181,000 | $ 181,000 | $ 47,000 |
| Harris County Georgia | 1 | $ 204,000 | $ 204,000 | $ 45,000 |
| Lee County Georgia | 1 | $ 237,000 | $ 237,000 | $ 136,000 |
| Muscogee County Georgia | 1 | $ 119,000 | $ 119,000 | $ 58,000 |
| Rabun County Georgia | 1 | $ 449,000 | $ 449,000 | $ 68,000 |
| Richmond County Georgia | 1 | $ 119,000 | $ 119,000 | $ 46,000 |
| Talbot County Georgia | 1 | $ 201,000 | $ 201,000 | $ 44,000 |
| Thomas County Georgia | 1 | $ 159,000 | $ 159,000 | $ 66,000 |
| Tift County Georgia | 1 | $ 143,000 | $ 143,000 | $ 46,000 |
| Upson County Georgia | 1 | $ 106,000 | $ 106,000 | $ 37,000 |
| Whitfield County Georgia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 378,000 | $ 378,000 | $ 120,000 |
| Baltimore County Maryland | 1 | $ 272,000 | $ 272,000 | $ 59,000 |
| Charles County Maryland | 1 | $ 240,000 | $ 240,000 | $ 59,000 |
| Benzie County Michigan | 1 | $ 254,000 | $ 254,000 | $ 37,000 |
| Genesee County Michigan | 1 | $ 190,000 | $ 190,000 | $ 63,000 |
| Jackson County Missouri | 1 | $ 207,000 | $ 207,000 | $ 105,000 |
| St. Louis City County Missouri | 1 | $ 53,000 | $ 53,000 | $ 22,000 |
| San Juan County New Mexico | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 259,000 | $ 259,000 | $ 68,000 |
| Berkeley County South Carolina | 1 | $ 291,000 | $ 291,000 | $ 87,000 |
| Chester County South Carolina | 1 | $ 161,000 | $ 161,000 | $ 21,000 |
| Dorchester County South Carolina | 1 | $ 227,000 | $ 227,000 | $ 67,000 |
| Georgetown County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 64,000 |
| Oconee County South Carolina | 1 | $ 321,000 | $ 321,000 | $ 501,000 |
| Orangeburg County South Carolina | 1 | $ 106,000 | $ 106,000 | $ 529,000 |
| Richland County South Carolina | 1 | $ 232,000 | $ 232,000 | $ 0 |
| York County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 39,000 |
| Blount County Tennessee | 1 | $ 196,000 | $ 196,000 | $ 78,000 |
| Hamilton County Tennessee | 1 | $ 146,000 | $ 146,000 | $ 56,000 |
| Hickman County Tennessee | 1 | $ 123,000 | $ 123,000 | $ 124,000 |
| Lake County Tennessee | 1 | $ 119,000 | $ 119,000 | $ 36,000 |
| Lincoln County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 52,000 |
| Rutherford County Tennessee | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Warren County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| Wilson County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 116,000 |
| Harris County Texas | 1 | $ 100,000 | $ 100,000 | $ 117,000 |
| Kaufman County Texas | 1 | $ 270,000 | $ 270,000 | $ 132,000 |
| Randall County Texas | 1 | $ 86,000 | $ 86,000 | $ 35,000 |
| Alexandria County Virginia | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Bristol County Virginia | 1 | $ 122,000 | $ 122,000 | $ 34,000 |
| Fairfax City County Virginia | 1 | $ 160,000 | $ 160,000 | $ 207,000 |
| Fauquier County Virginia | 1 | $ 276,000 | $ 276,000 | $ 73,000 |
| Franklin County Virginia | 1 | $ 378,000 | $ 378,000 | $ 92,000 |
| Hanover County Virginia | 1 | $ 209,000 | $ 209,000 | $ 42,000 |
| King George County Virginia | 1 | $ 503,000 | $ 503,000 | $ 157,000 |
| Manassas County Virginia | 1 | $ 216,000 | $ 216,000 | $ 40,000 |
| Mathews County Virginia | 1 | $ 284,000 | $ 284,000 | $ 87,000 |
| Newport News County Virginia | 1 | $ 164,000 | $ 164,000 | $ 76,000 |
| Norfolk County Virginia | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Patrick County Virginia | 1 | $ 189,000 | $ 189,000 | $ 69,000 |
| Roanoke County Virginia | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Stafford County Virginia | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Suffolk County Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for Christensen Financial, Inc. in 2016
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 | 1,257 | $248,911,000 | $198,000 | $1,359,000 | $87,000 | $1,680,000 |
| Refinancing | 361 | $76,942,000 | $213,000 | $924,000 | $83,000 | $700,000 |
| Home Improvement | 111 | $21,689,000 | $195,000 | $822,000 | $74,000 | $297,000 |
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 | 1,225 | $249,972,000 | $204,000 | $1,359,000 | $90,000 | $1,041,000 |
| Hispanic | 186 | $34,060,000 | $183,000 | $700,000 | $77,000 | $1,680,000 |
| Black or African American | 157 | $31,693,000 | $201,000 | $924,000 | $62,000 | $276,000 |
| Not Provided | 115 | $21,978,000 | $191,000 | $582,000 | $77,000 | $529,000 |
| Asian | 37 | $7,995,000 | $216,000 | $500,000 | $99,000 | $312,000 |
| American Indian or Alaskan Native | 8 | $1,698,000 | $212,000 | $279,000 | $85,000 | $144,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $146,000 | $146,000 | $146,000 | $64,000 | $64,000 |
| 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) | 835 | $176,902,000 | $211,000 | $1,359,000 | $110,000 | $1,680,000 |
| FHA-insured (Federal Housing Administration) | 615 | $108,488,000 | $176,000 | $514,000 | $60,000 | $1,041,000 |
| VA-guaranteed (Veterans Administration) | 236 | $55,629,000 | $235,000 | $580,000 | $69,000 | $501,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $6,523,000 | $151,000 | $262,000 | $44,000 | $78,000 |
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 | 1,206 | $241,493,000 | $200,000 | $822,000 | $84,000 | $1,041,000 |
| Application Withdrawn By Applicant | 375 | $76,584,000 | $204,000 | $1,359,000 | $88,000 | $1,680,000 |
| Application Denied By Financial Institution | 85 | $14,412,000 | $169,000 | $417,000 | $67,000 | $414,000 |
| File Closed For Incompleteness | 61 | $14,578,000 | $238,000 | $924,000 | $104,000 | $700,000 |
| Application Approved But Not Accepted | 2 | $475,000 | $237,000 | $329,000 | $85,000 | $107,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 19 | $3,331,000 | $175,000 | $369,000 | $60,000 | $125,000 |
| Credit History | 13 | $1,820,000 | $140,000 | $211,000 | $78,000 | $167,000 |
| Debt-To-Income Ratio | 12 | $2,186,000 | $182,000 | $323,000 | $61,000 | $128,000 |
| Collateral | 2 | $542,000 | $271,000 | $417,000 | $219,000 | $414,000 |
| Unverifiable Information | 2 | $405,000 | $202,000 | $336,000 | $98,000 | $179,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $172,000 | $172,000 | $172,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 1 | $300,000 | $300,000 | $300,000 | $96,000 | $96,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Christensen Financial, Inc.'s 2016 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.
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