Christensen Financial, Inc. Mortgage Lending & HMDA Data, 2016
In 2016, Christensen Financial, Inc. of Altamonte Springs, FL reported 1,729 mortgage applications totaling $347.5 million, down 29% from 2015. The average application was for $201,007, and applicants reported an average income of $85,330. 70% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (366), North Port-Sarasota-Bradenton, FL (327) and Atlanta-Sandy Springs-Roswell, GA (132) (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 | 1,729 |
| Total Mortgage Loan Application Amount | $347,542,000 |
| Average Mortgage Loan Application Amount | $201,007 |
| Highest Mortgage Loan Application Amount | $1,359,000 |
| Average Applicant Income | $85,330 |
| Highest Applicant Income | $1,680,000 |
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records Christensen Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orlando-Kissimmee-Sanford, FL | 366 | $ 71,237,000 | $ 194,636 | $ 79,000 |
| North Port-Sarasota-Bradenton, FL | 327 | $ 63,077,000 | $ 192,896 | $ 84,000 |
| Atlanta-Sandy Springs-Roswell, GA | 132 | $ 29,424,000 | $ 222,909 | $ 82,000 |
| Port St. Lucie, FL | 130 | $ 23,271,000 | $ 179,007 | $ 79,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 117 | $ 30,724,000 | $ 262,598 | $ 120,000 |
| Punta Gorda, FL | 59 | $ 9,365,000 | $ 158,728 | $ 69,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 58 | $ 10,928,000 | $ 188,413 | $ 65,000 |
| Tampa-St. Petersburg-Clearwater, FL | 48 | $ 7,636,000 | $ 159,083 | $ 59,000 |
| Lakeland-Winter Haven, FL | 46 | $ 5,584,000 | $ 121,391 | $ 43,000 |
| Miami-Miami Beach-Kendall, FL | 41 | $ 12,748,000 | $ 310,926 | $ 206,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 40 | $ 5,908,000 | $ 147,700 | $ 67,000 |
| Ocala, FL | 39 | $ 5,355,000 | $ 137,307 | $ 59,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 28 | $ 6,716,000 | $ 239,857 | $ 109,000 |
| Palm Bay-Melbourne-Titusville, FL | 22 | $ 4,701,000 | $ 213,681 | $ 90,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 15 | $ 4,835,000 | $ 322,333 | $ 88,400 |
| Dallas-Plano-Irving, TX | 12 | $ 2,776,000 | $ 231,333 | $ 96,000 |
| Gainesville, GA | 12 | $ 2,978,000 | $ 248,166 | $ 103,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 2,427,000 | $ 220,636 | $ 42,000 |
| Richmond, VA | 9 | $ 2,308,000 | $ 256,444 | $ 83,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 1,296,000 | $ 162,000 | $ 77,000 |
| St. Louis, MO-IL | 7 | $ 1,084,000 | $ 154,857 | $ 63,000 |
| Birmingham-Hoover, AL | 6 | $ 1,049,000 | $ 174,833 | $ 72,000 |
| Huntsville, AL | 6 | $ 1,547,000 | $ 257,833 | $ 70,000 |
| Mobile, AL | 5 | $ 786,000 | $ 157,200 | $ 41,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 1,305,000 | $ 261,000 | $ 126,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 780,000 | $ 195,000 | $ 75,000 |
| Charleston-North Charleston, SC | 4 | $ 1,012,000 | $ 253,000 | $ 64,000 |
| The Villages, FL | 4 | $ 865,000 | $ 216,250 | $ 91,000 |
| Chattanooga, TN-GA | 3 | $ 549,000 | $ 183,000 | $ 53,000 |
| Columbus, GA-AL | 3 | $ 551,000 | $ 183,666 | $ 70,000 |
| Homosassa Springs, FL | 3 | $ 500,000 | $ 166,666 | $ 95,000 |
| Knoxville, TN | 3 | $ 502,000 | $ 167,333 | $ 71,000 |
| Tallahassee, FL | 3 | $ 749,000 | $ 249,666 | $ 90,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 650,000 | $ 325,000 | $ 89,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 361,000 | $ 180,500 | $ 30,000 |
| Clarksville, TN-KY | 2 | $ 390,000 | $ 195,000 | $ 47,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 328,000 | $ 164,000 | $ 176,000 |
| Fort Worth-Arlington, TX | 2 | $ 365,000 | $ 182,500 | $ 137,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 289,000 | $ 144,500 | $ 56,000 |
| Jacksonville, FL | 2 | $ 408,000 | $ 204,000 | $ 75,000 |
| Lynchburg, VA | 2 | $ 352,000 | $ 176,000 | $ 50,000 |
| Memphis, TN-MS-AR | 2 | $ 220,000 | $ 110,000 | $ 12,000 |
| Montgomery, AL | 2 | $ 421,000 | $ 210,500 | $ 134,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 341,000 | $ 170,500 | $ 61,000 |
| Roanoke, VA | 2 | $ 528,000 | $ 264,000 | $ 66,000 |
| Sebastian-Vero Beach, FL | 2 | $ 322,000 | $ 161,000 | $ 93,000 |
| Silver Spring-Frederick-Rockville, MD | 2 | $ 515,000 | $ 257,500 | $ 166,000 |
| Albany, GA | 1 | $ 237,000 | $ 237,000 | $ 136,000 |
| Amarillo, TX | 1 | $ 86,000 | $ 86,000 | $ 35,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 119,000 | $ 119,000 | $ 46,000 |
| Brunswick, GA | 1 | $ 181,000 | $ 181,000 | $ 47,000 |
| Columbia, SC | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Dalton, GA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 198,000 | $ 198,000 | $ 46,000 |
| Dothan, AL | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Farmington, NM | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Flint, MI | 1 | $ 190,000 | $ 190,000 | $ 63,000 |
| Gainesville, FL | 1 | $ 85,000 | $ 85,000 | $ 200,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 259,000 | $ 259,000 | $ 68,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 100,000 | $ 100,000 | $ 117,000 |
| Kansas City, MO-KS | 1 | $ 207,000 | $ 207,000 | $ 105,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 122,000 | $ 122,000 | $ 34,000 |
| Pittsburgh, PA | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Savannah, GA | 1 | $ 191,000 | $ 191,000 | $ 73,000 |
| Sebring, FL | 1 | $ 198,000 | $ 198,000 | $ 101,000 |
| Tuscaloosa, AL | 1 | $ 172,000 | $ 172,000 | $ 49,000 |
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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