Christensen Financial, Inc. Mortgage Lending & HMDA Data, 2020

In 2020, Christensen Financial, Inc. of Altamonte Springs, FL reported 3,273 mortgage applications totaling $747.7 million, up 90% from 2019. The average application was for $228,455, and applicants reported an average income of $89,435. 73% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (1,276), Palm Bay-Melbourne-Titusville, FL (362) and Port St. Lucie, FL (268) (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 3,273
Total Mortgage Loan Application Amount $747,735,000
Average Mortgage Loan Application Amount $228,455
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $89,435
Highest Applicant Income $1,636,000

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records Christensen Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Christensen Financial, Inc. by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Orange, Florida 625 $ 154,935,000 $ 247,896 $ 93,000
Brevard, Florida 362 $ 73,310,000 $ 202,513 $ 77,000
Seminole, Florida 313 $ 71,575,000 $ 228,674 $ 97,000
St. Lucie, Florida 242 $ 50,950,000 $ 210,537 $ 68,000
Lake, Florida 203 $ 44,195,000 $ 217,709 $ 103,000
Volusia, Florida 186 $ 35,900,000 $ 193,010 $ 86,000
Osceola, Florida 135 $ 30,105,000 $ 223,000 $ 93,000
Polk, Florida 94 $ 17,090,000 $ 181,808 $ 61,000
Miami-Dade, Florida 55 $ 20,355,000 $ 370,090 $ 211,000
Manatee, Florida 54 $ 13,500,000 $ 250,000 $ 103,000
Broward, Florida 50 $ 13,890,000 $ 277,800 $ 91,000
Chesterfield, Virginia 46 $ 11,560,000 $ 251,304 $ 76,000
Henrico, Virginia 43 $ 9,985,000 $ 232,209 $ 76,000
Wayne, Michigan 41 $ 4,425,000 $ 107,926 $ 56,000
Palm Beach, Florida 40 $ 10,710,000 $ 267,750 $ 111,000
Marion, Florida 38 $ 6,420,000 $ 168,947 $ 63,000
Hillsborough, Florida 34 $ 8,970,000 $ 263,823 $ 88,000
Sumner, Tennessee 32 $ 7,380,000 $ 230,625 $ 61,000
Pinellas, Florida 30 $ 7,220,000 $ 240,666 $ 89,000
Robertson, Tennessee 30 $ 6,070,000 $ 202,333 $ 61,000
St. Charles, Missouri 29 $ 7,325,000 $ 252,586 $ 97,000
Cobb, Georgia 28 $ 8,000,000 $ 285,714 $ 139,000
Sarasota, Florida 27 $ 7,815,000 $ 289,444 $ 139,000
Martin, Florida 26 $ 6,530,000 $ 251,153 $ 90,000
St. Louis, Missouri 26 $ 6,810,000 $ 261,923 $ 95,000
Hanover, Virginia 25 $ 7,105,000 $ 284,200 $ 93,000
Flagler, Florida 20 $ 4,010,000 $ 200,500 $ 60,000
Fulton, Georgia 19 $ 4,455,000 $ 234,473 $ 112,000
Indian River, Florida 16 $ 3,080,000 $ 192,500 $ 57,000
Sumter, Florida 14 $ 3,520,000 $ 251,428 $ 138,000
Macomb, Michigan 13 $ 2,075,000 $ 159,615 $ 51,000
Duval, Florida 12 $ 2,520,000 $ 210,000 $ 71,000
Richmond City, Virginia 12 $ 4,210,000 $ 350,833 $ 129,000
Pasco, Florida 10 $ 2,020,000 $ 202,000 $ 72,000
DeKalb, Georgia 9 $ 2,495,000 $ 277,222 $ 74,000
Gwinnett, Georgia 9 $ 2,265,000 $ 251,666 $ 62,000
Wilson, Tennessee 9 $ 2,805,000 $ 311,666 $ 56,000
Paulding, Georgia 8 $ 1,370,000 $ 171,250 $ 61,000
Davidson, Tennessee 8 $ 1,790,000 $ 223,750 $ 41,000
James City, Virginia 8 $ 2,710,000 $ 338,750 $ 93,000
Spotsylvania, Virginia 8 $ 2,190,000 $ 273,750 $ 97,000
Charlotte, Florida 7 $ 1,905,000 $ 272,142 $ 164,000
Lexington, South Carolina 7 $ 1,305,000 $ 186,428 $ 102,000
Alachua, Florida 6 $ 1,140,000 $ 190,000 $ 87,000
Hernando, Florida 6 $ 1,210,000 $ 201,666 $ 63,000
Cherokee, Georgia 6 $ 1,260,000 $ 210,000 $ 80,000
Gaston, North Carolina 6 $ 950,000 $ 158,333 $ 56,000
Harris, Texas 6 $ 1,390,000 $ 231,666 $ 132,000
Albemarle, Virginia 6 $ 2,080,000 $ 346,666 $ 85,000
Citrus, Florida 5 $ 675,000 $ 135,000 $ 50,000
Oakland, Michigan 5 $ 1,195,000 $ 239,000 $ 166,000
Lincoln, Missouri 5 $ 1,125,000 $ 225,000 $ 82,000
Cheatham, Tennessee 5 $ 995,000 $ 199,000 $ 47,000
Goochland, Virginia 5 $ 1,805,000 $ 361,000 $ 96,000
Newport News, Virginia 5 $ 1,465,000 $ 293,000 $ 66,000
St. Johns, Florida 4 $ 1,130,000 $ 282,500 $ 101,000
Jefferson, Missouri 4 $ 730,000 $ 182,500 $ 77,000
Richland, South Carolina 4 $ 600,000 $ 150,000 $ 39,000
Trousdale, Tennessee 4 $ 490,000 $ 122,500 $ 31,000
Williamson, Tennessee 4 $ 1,050,000 $ 262,500 $ 107,000
Caroline, Virginia 4 $ 1,280,000 $ 320,000 $ 81,000
King William, Virginia 4 $ 750,000 $ 187,500 $ 57,000
Lee, Florida 3 $ 625,000 $ 208,333 $ 24,000
Forsyth, Georgia 3 $ 965,000 $ 321,666 $ 116,000
Franklin, Missouri 3 $ 565,000 $ 188,333 $ 86,000
Catawba, North Carolina 3 $ 645,000 $ 215,000 $ 88,000
Dickson, Tennessee 3 $ 475,000 $ 158,333 $ 46,000
Montgomery, Tennessee 3 $ 335,000 $ 111,666 $ 35,000
Collin, Texas 3 $ 965,000 $ 321,666 $ 114,000
Amelia, Virginia 3 $ 645,000 $ 215,000 $ 76,000
Gloucester, Virginia 3 $ 1,005,000 $ 335,000 $ 135,000
Nottoway, Virginia 3 $ 405,000 $ 135,000 $ 53,000
Petersburg, Virginia 3 $ 475,000 $ 158,333 $ 42,000
Prince William, Virginia 3 $ 935,000 $ 311,666 $ 117,000
Madison, Alabama 2 $ 490,000 $ 245,000 $ 65,000
El Paso, Colorado 2 $ 540,000 $ 270,000 $ 33,000
Collier, Florida 2 $ 680,000 $ 340,000 $ 135,000
Santa Rosa, Florida 2 $ 420,000 $ 210,000 $ 89,000
Douglas, Georgia 2 $ 650,000 $ 325,000 $ 97,000
Fannin, Georgia 2 $ 430,000 $ 215,000 $ 126,000
Murray, Georgia 2 $ 400,000 $ 200,000 $ 93,000
Newton, Georgia 2 $ 450,000 $ 225,000 $ 125,000
Pickens, Georgia 2 $ 410,000 $ 205,000 $ 189,000
Monroe, Michigan 2 $ 160,000 $ 80,000 $ 51,000
St. Clair, Michigan 2 $ 270,000 $ 135,000 $ 59,000
St. Louis City, Missouri 2 $ 360,000 $ 180,000 $ 107,000
Warren, Missouri 2 $ 410,000 $ 205,000 $ 69,000
Buncombe, North Carolina 2 $ 480,000 $ 240,000 $ 81,000
Union, North Carolina 2 $ 620,000 $ 310,000 $ 152,000
Maury, Tennessee 2 $ 440,000 $ 220,000 $ 86,000
Polk, Tennessee 2 $ 410,000 $ 205,000 $ 162,000
Rutherford, Tennessee 2 $ 520,000 $ 260,000 $ 19,000
Dallas, Texas 2 $ 580,000 $ 290,000 $ 91,000
Johnson, Texas 2 $ 350,000 $ 175,000 $ 73,000
Montgomery, Texas 2 $ 280,000 $ 140,000 $ 131,000
Tarrant, Texas 2 $ 610,000 $ 305,000 $ 139,000
Appomattox, Virginia 2 $ 340,000 $ 170,000 $ 95,000
Colonial Heights, Virginia 2 $ 410,000 $ 205,000 $ 61,000
Cumberland, Virginia 2 $ 520,000 $ 260,000 $ 72,000
Franklin, Virginia 2 $ 400,000 $ 200,000 $ 159,000
Louisa, Virginia 2 $ 570,000 $ 285,000 $ 152,000
Mathews, Virginia 2 $ 370,000 $ 185,000 $ 111,000
New Kent, Virginia 2 $ 490,000 $ 245,000 $ 122,000
Orange, Virginia 2 $ 590,000 $ 295,000 $ 97,000
Powhatan, Virginia 2 $ 420,000 $ 210,000 $ 58,000
Prince Edward, Virginia 2 $ 440,000 $ 220,000 $ 55,000
Richmond, Virginia 2 $ 420,000 $ 210,000 $ 35,000
Stafford, Virginia 2 $ 790,000 $ 395,000 $ 131,000
Hale, Alabama 1 $ 115,000 $ 115,000 $ 37,000
Tuscaloosa, Alabama 1 $ 135,000 $ 135,000 $ 55,000
Clay, Florida 1 $ 85,000 $ 85,000 $ 58,000
Escambia, Florida 1 $ 245,000 $ 245,000 $ 42,000
Hendry, Florida 1 $ 255,000 $ 255,000 $ 75,000
Leon, Florida 1 $ 125,000 $ 125,000 $ 0
Levy, Florida 1 $ 155,000 $ 155,000 $ 135,000
Monroe, Florida 1 $ 735,000 $ 735,000 $ 263,000
Nassau, Florida 1 $ 235,000 $ 235,000 $ 0
Okaloosa, Florida 1 $ 495,000 $ 495,000 $ 205,000
Okeechobee, Florida 1 $ 135,000 $ 135,000 $ 28,000
Wakulla, Florida 1 $ 135,000 $ 135,000 $ 75,000
Baldwin, Georgia 1 $ 125,000 $ 125,000 $ 36,000
Bartow, Georgia 1 $ 115,000 $ 115,000 $ 51,000
Clayton, Georgia 1 $ 175,000 $ 175,000 $ 60,000
Fayette, Georgia 1 $ 245,000 $ 245,000 $ 79,000
Floyd, Georgia 1 $ 145,000 $ 145,000 $ 35,000
Gilmer, Georgia 1 $ 335,000 $ 335,000 $ 141,000
Hall, Georgia 1 $ 325,000 $ 325,000 $ 51,000
Harris, Georgia 1 $ 245,000 $ 245,000 $ 61,000
Henry, Georgia 1 $ 215,000 $ 215,000 $ 121,000
Long, Georgia 1 $ 155,000 $ 155,000 $ 62,000
Lumpkin, Georgia 1 $ 245,000 $ 245,000 $ 77,000
Rockdale, Georgia 1 $ 305,000 $ 305,000 $ 88,000
Towns, Georgia 1 $ 185,000 $ 185,000 $ 65,000
Union, Georgia 1 $ 205,000 $ 205,000 $ 78,000
Walton, Georgia 1 $ 195,000 $ 195,000 $ 52,000
Wayne, Georgia 1 $ 275,000 $ 275,000 $ 104,000
Cook, Illinois 1 $ 245,000 $ 245,000 $ 78,000
St. Clair, Illinois 1 $ 225,000 $ 225,000 $ 112,000
Will, Illinois 1 $ 315,000 $ 315,000 $ 119,000
Worcester, Maryland 1 $ 285,000 $ 285,000 $ 221,000
Mecosta, Michigan 1 $ 165,000 $ 165,000 $ 100,000
Midland, Michigan 1 $ 125,000 $ 125,000 $ 40,000
Cape Girardeau, Missouri 1 $ 165,000 $ 165,000 $ 67,000
Henry, Missouri 1 $ 75,000 $ 75,000 $ 33,000
Pike, Missouri 1 $ 165,000 $ 165,000 $ 60,000
Cherokee, North Carolina 1 $ 235,000 $ 235,000 $ 32,000
Henderson, North Carolina 1 $ 295,000 $ 295,000 $ 88,000
Jackson, North Carolina 1 $ 255,000 $ 255,000 $ 144,000
Lincoln, North Carolina 1 $ 155,000 $ 155,000 $ 137,000
Swain, North Carolina 1 $ 515,000 $ 515,000 $ 1,200,000
Watauga, North Carolina 1 $ 345,000 $ 345,000 $ 278,000
Dorchester, South Carolina 1 $ 255,000 $ 255,000 $ 0
Fairfield, South Carolina 1 $ 195,000 $ 195,000 $ 55,000
Greenville, South Carolina 1 $ 345,000 $ 345,000 $ 70,000
Horry, South Carolina 1 $ 175,000 $ 175,000 $ 71,000
York, South Carolina 1 $ 135,000 $ 135,000 $ 25,000
Bedford, Tennessee 1 $ 145,000 $ 145,000 $ 60,000
Coffee, Tennessee 1 $ 195,000 $ 195,000 $ 118,000
Humphreys, Tennessee 1 $ 65,000 $ 65,000 $ 24,000
Lawrence, Tennessee 1 $ 145,000 $ 145,000 $ 48,000
Shelby, Tennessee 1 $ 285,000 $ 285,000 $ 125,000
Washington, Tennessee 1 $ 125,000 $ 125,000 $ 207,000
Comal, Texas 1 $ 255,000 $ 255,000 $ 99,000
Denton, Texas 1 $ 295,000 $ 295,000 $ 78,000
Ellis, Texas 1 $ 295,000 $ 295,000 $ 140,000
Victoria, Texas 1 $ 175,000 $ 175,000 $ 102,000
Augusta, Virginia 1 $ 265,000 $ 265,000 $ 63,000
Charlottesville, Virginia 1 $ 295,000 $ 295,000 $ 99,000
Fluvanna, Virginia 1 $ 195,000 $ 195,000 $ 79,000
Hampton, Virginia 1 $ 205,000 $ 205,000 $ 87,000
Loudoun, Virginia 1 $ 235,000 $ 235,000 $ 51,000
Portsmouth, Virginia 1 $ 135,000 $ 135,000 $ 106,000
Prince George, Virginia 1 $ 135,000 $ 135,000 $ 70,000
Rockingham, Virginia 1 $ 165,000 $ 165,000 $ 43,000
Southampton, Virginia 1 $ 155,000 $ 155,000 $ 41,000
Suffolk, Virginia 1 $ 185,000 $ 185,000 $ 80,000
Virginia Beach, Virginia 1 $ 235,000 $ 235,000 $ 65,000
Waynesboro, Virginia 1 $ 95,000 $ 95,000 $ 26,000
Westmoreland, Virginia 1 $ 105,000 $ 105,000 $ 115,000
York, Virginia 1 $ 405,000 $ 405,000 $ 62,000

Mortgage Loan Application Detail Totals for Christensen Financial, Inc. in 2020

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 1,722 $388,830,000 $225,000 $765,000 $82,000 $1,200,000
Refinancing 1,034 $250,590,000 $242,000 $3,005,000 $100,000 $1,636,000
Home Improvement 509 $106,685,000 $209,000 $1,005,000 $93,000 $1,257,000
Other Purpose 6 $1,010,000 $168,000 $325,000 $86,000 $238,000
Cash-out Refinancing 2 $620,000 $310,000 $405,000 $133,000 $170,000
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 2,186 $504,580,000 $230,000 $3,005,000 $94,000 $1,636,000
Hispanic 513 $115,585,000 $225,000 $765,000 $81,000 $1,200,000
Black or African American 365 $80,175,000 $219,000 $675,000 $77,000 $622,000
Asian 91 $23,045,000 $253,000 $725,000 $94,000 $425,000
Not Provided 89 $17,425,000 $195,000 $495,000 $68,000 $300,000
American Indian or Alaskan Native 12 $2,310,000 $192,000 $395,000 $68,000 $104,000
Native Hawaiian or Other Pacific Islander 1 $325,000 $325,000 $325,000 $81,000 $81,000
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) 2,412 $547,270,000 $226,000 $3,005,000 $100,000 $1,636,000
FHA-insured (Federal Housing Administration) 631 $136,945,000 $217,000 $515,000 $60,000 $1,200,000
VA-guaranteed (Veterans Administration) 199 $57,625,000 $289,000 $745,000 $64,000 $400,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 31 $5,895,000 $190,000 $285,000 $49,000 $85,000

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 2,374 $549,520,000 $231,000 $745,000 $91,000 $1,636,000
Application Withdrawn By Applicant 710 $151,650,000 $213,000 $675,000 $81,000 $1,237,000
File Closed For Incompleteness 100 $28,180,000 $281,000 $3,005,000 $131,000 $1,257,000
Application Denied By Financial Institution 89 $18,385,000 $206,000 $505,000 $67,000 $326,000
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 3,184 $729,350,000 $229,000 $3,005,000 $90,000 $1,636,000
Credit History 37 $7,265,000 $196,000 $345,000 $62,000 $212,000
Collateral 26 $5,670,000 $218,000 $505,000 $72,000 $326,000
Employment History 10 $1,910,000 $191,000 $495,000 $43,000 $69,000
Debt-To-Income Ratio 8 $1,900,000 $237,000 $415,000 $99,000 $243,000
Unverifiable Information 7 $1,525,000 $217,000 $435,000 $86,000 $260,000
Other 1 $115,000 $115,000 $115,000 $32,000 $32,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Christensen Financial, Inc.'s 2020 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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