Val-chris Investments Mortgage Rates, Fees & InfoIRVINE, CA
Tax ID: 95-3206305
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
Review & OverviewVal-chris Investments is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Val-chris Investments has a high proportion of conventional loans.
Val-chris Investments has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Origination Dollar Volume (All Markets)$187,485,000
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|Outside of Metro Areas||445||$187,485,000||$421,315||$0||10.46%|
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2021, Val-chris Investments's most frequently originated type of loan was Conventional, with 442 originations. Their 2nd most popular type was HELOC, with 3 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
|Cash Out Refi||315||$128,295,000||$407,286||$0||10.55%|
For 2021, Val-chris Investments's most frequently cited loan purpose was Cash Out Refi, with 315 originations. The 2nd most popular reason was Home Purchase, with 126 originations.
For 2021, Val-chris Investments's most frequently cited loan duration was 3 Year, with 268 originations. The 2nd most popular length was 1 Year, with 65 originations.
|Loan Rate||Originations||Total Value||Average Loan|
During 2021, Val-chris Investments's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 411 originations.
2021 saw Val-chris Investments place emphasis on $200k-400k loans with 139 originations, totaling $39,165,000 in origination value.
Val-chris Investments lent most frequently to those with incomes in the $250k+ range, with 126 originations. The second most popular income band? $150k-250k, with 96 originations.
Applicant Debt to Income Ratio
Val-chris Investments lent most frequently to those with DTI ratios of <20%, with 271 originations. The next most common DTI ratio? 20-30%, with 79 originations.
Approval RatesTotal approvals of all applications
Val-chris Investments has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick RateApprovals leading to origination
Val-chris Investments has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|