Christensen Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Christensen Financial, Inc. 2019 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 | 1,720 |
| Total Mortgage Loan Application Amount | $373,820,000 |
| Average Mortgage Loan Application Amount | $223,800 |
| Highest Mortgage Loan Application Amount | $1,265,000 |
| Average Applicant Income | $101,800 |
| Highest Applicant Income | $1,385,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange County Florida | 290 | $ 72,130,000 | $ 248,000 | $ 103,000 |
| Brevard County Florida | 249 | $ 55,255,000 | $ 221,000 | $ 84,000 |
| St. Lucie County Florida | 133 | $ 27,365,000 | $ 205,000 | $ 77,000 |
| Seminole County Florida | 114 | $ 25,800,000 | $ 226,000 | $ 84,000 |
| Lake County Florida | 91 | $ 19,515,000 | $ 214,000 | $ 102,000 |
| Volusia County Florida | 76 | $ 13,270,000 | $ 174,000 | $ 63,000 |
| Osceola County Florida | 55 | $ 12,665,000 | $ 230,000 | $ 80,000 |
| Polk County Florida | 54 | $ 10,240,000 | $ 189,000 | $ 84,000 |
| Marion County Florida | 50 | $ 7,220,000 | $ 144,000 | $ 68,000 |
| Broward County Florida | 37 | $ 10,085,000 | $ 272,000 | $ 101,000 |
| Palm Beach County Florida | 33 | $ 7,345,000 | $ 222,000 | $ 95,000 |
| Miami-Dade County Florida | 27 | $ 10,485,000 | $ 388,000 | $ 175,000 |
| Robertson County Tennessee | 27 | $ 5,725,000 | $ 212,000 | $ 58,000 |
| Sumner County Tennessee | 27 | $ 5,525,000 | $ 204,000 | $ 45,000 |
| Wayne County Michigan | 26 | $ 3,040,000 | $ 116,000 | $ 56,000 |
| Manatee County Florida | 21 | $ 5,005,000 | $ 238,000 | $ 90,000 |
| Jackson County Missouri | 18 | $ 2,060,000 | $ 114,000 | $ 44,000 |
| Pinellas County Florida | 17 | $ 3,545,000 | $ 208,000 | $ 58,000 |
| Fulton County Georgia | 17 | $ 3,815,000 | $ 224,000 | $ 84,000 |
| St. Charles County Missouri | 15 | $ 3,515,000 | $ 234,000 | $ 84,000 |
| Cobb County Georgia | 14 | $ 3,480,000 | $ 248,000 | $ 80,000 |
| Hillsborough County Florida | 13 | $ 3,265,000 | $ 251,000 | $ 65,000 |
| Martin County Florida | 13 | $ 2,525,000 | $ 194,000 | $ 67,000 |
| Indian River County Florida | 12 | $ 2,400,000 | $ 200,000 | $ 53,000 |
| Sarasota County Florida | 12 | $ 3,470,000 | $ 289,000 | $ 121,000 |
| Macomb County Michigan | 12 | $ 1,880,000 | $ 156,000 | $ 52,000 |
| St. Louis County Missouri | 12 | $ 2,560,000 | $ 213,000 | $ 111,000 |
| Mecklenburg County North Carolina | 12 | $ 2,820,000 | $ 235,000 | $ 69,000 |
| Catawba County North Carolina | 10 | $ 1,570,000 | $ 157,000 | $ 59,000 |
| Hampton County Virginia | 10 | $ 1,880,000 | $ 188,000 | $ 90,000 |
| Sumter County Florida | 9 | $ 2,605,000 | $ 289,000 | $ 75,000 |
| Gaston County North Carolina | 7 | $ 1,055,000 | $ 150,000 | $ 49,000 |
| Flagler County Florida | 6 | $ 1,240,000 | $ 206,000 | $ 63,000 |
| Douglas County Georgia | 6 | $ 750,000 | $ 125,000 | $ 49,000 |
| Lincoln County North Carolina | 6 | $ 1,330,000 | $ 221,000 | $ 77,000 |
| Gwinnett County Georgia | 5 | $ 1,415,000 | $ 283,000 | $ 105,000 |
| Lexington County South Carolina | 5 | $ 1,075,000 | $ 215,000 | $ 144,000 |
| Davidson County Tennessee | 5 | $ 1,135,000 | $ 227,000 | $ 46,000 |
| Dickson County Tennessee | 5 | $ 945,000 | $ 189,000 | $ 76,000 |
| Citrus County Florida | 4 | $ 500,000 | $ 125,000 | $ 49,000 |
| Duval County Florida | 4 | $ 770,000 | $ 192,000 | $ 63,000 |
| Lee County Florida | 4 | $ 650,000 | $ 162,000 | $ 46,000 |
| Pasco County Florida | 4 | $ 790,000 | $ 197,000 | $ 53,000 |
| Cherokee County Georgia | 4 | $ 1,090,000 | $ 272,000 | $ 64,000 |
| Johnson County Kansas | 4 | $ 990,000 | $ 247,000 | $ 82,000 |
| Clay County Missouri | 4 | $ 380,000 | $ 95,000 | $ 28,000 |
| Collin County Texas | 4 | $ 1,220,000 | $ 305,000 | $ 103,000 |
| Newport News County Virginia | 4 | $ 580,000 | $ 145,000 | $ 50,000 |
| Jefferson County Alabama | 3 | $ 435,000 | $ 145,000 | $ 60,000 |
| DeKalb County Georgia | 3 | $ 495,000 | $ 165,000 | $ 104,000 |
| Gilmer County Georgia | 3 | $ 335,000 | $ 111,000 | $ 66,000 |
| Henry County Georgia | 3 | $ 455,000 | $ 151,000 | $ 54,000 |
| Lincoln County Missouri | 3 | $ 715,000 | $ 238,000 | $ 80,000 |
| Brunswick County North Carolina | 3 | $ 925,000 | $ 308,000 | $ 137,000 |
| Cabarrus County North Carolina | 3 | $ 535,000 | $ 178,000 | $ 66,000 |
| Cumberland County North Carolina | 3 | $ 1,035,000 | $ 345,000 | $ 302,000 |
| Richland County South Carolina | 3 | $ 285,000 | $ 95,000 | $ 91,000 |
| Williamson County Tennessee | 3 | $ 1,055,000 | $ 351,000 | $ 111,000 |
| Wilson County Tennessee | 3 | $ 685,000 | $ 228,000 | $ 51,000 |
| Harris County Texas | 3 | $ 745,000 | $ 248,000 | $ 127,000 |
| Alachua County Florida | 2 | $ 300,000 | $ 150,000 | $ 32,000 |
| Putnam County Florida | 2 | $ 250,000 | $ 125,000 | $ 31,000 |
| Houston County Georgia | 2 | $ 150,000 | $ 75,000 | $ 39,000 |
| Long County Georgia | 2 | $ 370,000 | $ 185,000 | $ 80,000 |
| Paulding County Georgia | 2 | $ 390,000 | $ 195,000 | $ 68,000 |
| Lapeer County Michigan | 2 | $ 330,000 | $ 165,000 | $ 47,000 |
| Saginaw County Michigan | 2 | $ 290,000 | $ 145,000 | $ 85,000 |
| St. Clair County Michigan | 2 | $ 250,000 | $ 125,000 | $ 36,000 |
| Iredell County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 123,000 |
| Union County North Carolina | 2 | $ 680,000 | $ 340,000 | $ 103,000 |
| York County South Carolina | 2 | $ 500,000 | $ 250,000 | $ 68,000 |
| Hickman County Tennessee | 2 | $ 220,000 | $ 110,000 | $ 52,000 |
| Shelby County Tennessee | 2 | $ 660,000 | $ 330,000 | $ 193,000 |
| Trousdale County Tennessee | 2 | $ 540,000 | $ 270,000 | $ 107,000 |
| Burnet County Texas | 2 | $ 520,000 | $ 260,000 | $ 85,000 |
| Dallas County Texas | 2 | $ 430,000 | $ 215,000 | $ 429,000 |
| Denton County Texas | 2 | $ 530,000 | $ 265,000 | $ 92,000 |
| Tarrant County Texas | 2 | $ 510,000 | $ 255,000 | $ 104,000 |
| Isle of Wight County Virginia | 2 | $ 220,000 | $ 110,000 | $ 56,000 |
| Calhoun County Alabama | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Mobile County Alabama | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Bay County Florida | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Charlotte County Florida | 1 | $ 275,000 | $ 275,000 | $ 165,000 |
| Collier County Florida | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Columbia County Florida | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Okaloosa County Florida | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Okeechobee County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Johns County Florida | 1 | $ 305,000 | $ 305,000 | $ 76,000 |
| Bartow County Georgia | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Clayton County Georgia | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Columbia County Georgia | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Forsyth County Georgia | 1 | $ 215,000 | $ 215,000 | $ 28,000 |
| Murray County Georgia | 1 | $ 275,000 | $ 275,000 | $ 42,000 |
| Muscogee County Georgia | 1 | $ 95,000 | $ 95,000 | $ 81,000 |
| Pickens County Georgia | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| Polk County Georgia | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Rockdale County Georgia | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Wayne County Georgia | 1 | $ 275,000 | $ 275,000 | $ 104,000 |
| Kane County Illinois | 1 | $ 185,000 | $ 185,000 | $ 104,000 |
| Anderson County Kansas | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Jackson County Kansas | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Miami County Kansas | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Baltimore County Maryland | 1 | $ 305,000 | $ 305,000 | $ 87,000 |
| Prince George's County Maryland | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Monroe County Michigan | 1 | $ 135,000 | $ 135,000 | $ 27,000 |
| Sanilac County Michigan | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Cole County Missouri | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Henry County Missouri | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Jefferson County Missouri | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| St. Louis City County Missouri | 1 | $ 165,000 | $ 165,000 | $ 39,000 |
| Burke County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Davidson County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Forsyth County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Johnston County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 64,000 |
| Rowan County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Sampson County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Wake County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 97,000 |
| Crawford County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Anderson County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Greenville County South Carolina | 1 | $ 315,000 | $ 315,000 | $ 169,000 |
| Bedford County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Cheatham County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| DeKalb County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Marshall County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Maury County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Montgomery County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Rutherford County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Bell County Texas | 1 | $ 125,000 | $ 125,000 | $ 18,000 |
| Bexar County Texas | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Ellis County Texas | 1 | $ 335,000 | $ 335,000 | $ 158,000 |
| Llano County Texas | 1 | $ 295,000 | $ 295,000 | $ 67,000 |
| Rockwall County Texas | 1 | $ 285,000 | $ 285,000 | $ 69,000 |
| Wichita County Texas | 1 | $ 145,000 | $ 145,000 | $ 132,000 |
| Chesterfield County Virginia | 1 | $ 195,000 | $ 195,000 | $ 41,000 |
| Henrico County Virginia | 1 | $ 165,000 | $ 165,000 | $ 97,000 |
| Lancaster County Virginia | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Richmond City County Virginia | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Suffolk County Virginia | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Christensen Financial, Inc. in 2019
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 | 1,319 | $284,425,000 | $215,000 | $1,265,000 | $80,000 | $1,198,000 |
| Home Improvement | 194 | $41,160,000 | $212,000 | $785,000 | $100,000 | $1,385,000 |
| Refinancing | 162 | $39,000,000 | $240,000 | $995,000 | $90,000 | $1,200,000 |
| Cash-out Refinancing | 33 | $5,965,000 | $180,000 | $415,000 | $144,000 | $1,200,000 |
| Other Purpose | 12 | $3,270,000 | $272,000 | $485,000 | $95,000 | $192,000 |
| 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 | 1,076 | $240,390,000 | $223,000 | $1,265,000 | $91,000 | $1,385,000 |
| Hispanic | 330 | $68,740,000 | $208,000 | $995,000 | $75,000 | $625,000 |
| Black or African American | 234 | $45,470,000 | $194,000 | $485,000 | $67,000 | $240,000 |
| Asian | 52 | $12,700,000 | $244,000 | $475,000 | $99,000 | $326,000 |
| Not Provided | 25 | $5,515,000 | $220,000 | $475,000 | $89,000 | $381,000 |
| American Indian or Alaskan Native | 1 | $255,000 | $255,000 | $255,000 | $91,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,020 | $224,250,000 | $219,000 | $1,265,000 | $99,000 | $1,385,000 |
| FHA-insured (Federal Housing Administration) | 534 | $106,730,000 | $199,000 | $475,000 | $58,000 | $294,000 |
| VA-guaranteed (Veterans Administration) | 137 | $38,035,000 | $277,000 | $725,000 | $92,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $4,805,000 | $165,000 | $255,000 | $54,000 | $84,000 |
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 | 1,186 | $259,570,000 | $218,000 | $1,265,000 | $88,000 | $1,385,000 |
| Application Withdrawn By Applicant | 410 | $89,030,000 | $217,000 | $825,000 | $81,000 | $650,000 |
| Application Denied By Financial Institution | 68 | $12,630,000 | $185,000 | $475,000 | $54,000 | $141,000 |
| File Closed For Incompleteness | 56 | $12,590,000 | $224,000 | $995,000 | $79,000 | $250,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,652 | $361,190,000 | $218,000 | $1,265,000 | $86,000 | $1,385,000 |
| Debt-To-Income Ratio | 21 | $4,185,000 | $199,000 | $475,000 | $51,000 | $120,000 |
| Credit History | 20 | $4,020,000 | $201,000 | $455,000 | $59,000 | $104,000 |
| Collateral | 18 | $2,930,000 | $162,000 | $305,000 | $55,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $480,000 | $120,000 | $125,000 | $42,000 | $53,000 |
| Unverifiable Information | 3 | $705,000 | $235,000 | $355,000 | $56,000 | $114,000 |
| Other | 1 | $285,000 | $285,000 | $285,000 | $0 | $0 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $68,000 | $68,000 |
| Credit Application Incomplete | 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 2019 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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