Val-chris Investments Mortgage Rates, Fees & Info

IRVINE, CA

LEI: 549300KP95LHU8OP0H40

Tax ID: 95-3206305

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Mortgage Data

Review & Overview

Val-chris Investments is a smaller mortgage company specializing in Cash Out Refi and Refi loans. Val-chris Investments has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, San Diego, and San Jose among others. We have data for 65 markets. (Some data included below & more in-depth data is available with an active subscription.)

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.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 6/23/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Val-chris Investments Mortgage Calculator






Your Estimates

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The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

992

Origination Dollar Volume (All Markets)

$263,310,000

Top Markets

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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 370 $119,840,000 $323,892 $0 12.59%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 155 $26,305,000 $169,710 $0 12.76%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 59 $23,425,000 $397,034 $0 12.80%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 69 $20,205,000 $292,826 $0 13.08%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 32 $11,560,000 $361,250 $0 12.67%
Outside of Metro Areas 28 $9,560,000 $341,429 $0 12.31%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 20 $6,080,000 $304,000 $0 12.85%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 40 $4,760,000 $119,000 $0 12.99%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 29 $3,365,000 $116,034 $0 12.71%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 6 $3,090,000 $515,000 $0 13.58%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $2,425,000 $186,538 $0 11.31%
SALINAS, CA (FHA|USDA|VA) 3 $2,015,000 $671,667 $0 12.49%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $0 12.00%
MODESTO, CA (FHA|USDA|VA) 16 $1,980,000 $123,750 $0 12.39%
FRESNO, CA (FHA|USDA|VA) 8 $1,610,000 $201,250 $0 13.00%
MERCED, CA (FHA|USDA|VA) 6 $1,530,000 $255,000 $0 12.87%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $1,500,000 $250,000 $0 11.17%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 7 $1,475,000 $210,714 $0 12.53%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $1,320,000 $330,000 $0 10.62%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,310,000 $218,333 $0 11.00%
STOCKTON, CA (FHA|USDA|VA) 11 $1,305,000 $118,636 $0 12.17%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,210,000 $302,500 $0 13.62%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $1,125,000 $160,714 $0 11.74%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $1,070,000 $535,000 $0 11.25%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $900,000 $225,000 $0 11.31%
MADERA, CA (FHA|USDA|VA) 4 $890,000 $222,500 $0 13.67%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $875,000 $175,000 $0 11.30%
EL CENTRO, CA (FHA|USDA|VA) 3 $695,000 $231,667 $0 10.74%
VISALIA, CA (FHA|USDA|VA) 6 $670,000 $111,667 $0 12.00%
VALLEJO, CA (FHA|USDA|VA) 7 $645,000 $92,143 $0 12.25%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $590,000 $98,333 $0 11.91%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $525,000 $175,000 $0 10.00%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $505,000 $168,333 $0 13.83%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $495,000 $165,000 $0 12.50%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $415,000 $138,333 $0 12.49%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $405,000 $405,000 $0 10.99%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $330,000 $165,000 $0 9.75%
Ukiah, CA (FHA|USDA|VA) 1 $315,000 $315,000 $0 11.99%
NAPA, CA (FHA|USDA|VA) 1 $315,000 $315,000 $0 13.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $310,000 $155,000 $0 11.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $305,000 $101,667 $0 13.00%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $305,000 $305,000 $0 10.50%
CHICO, CA (FHA|USDA|VA) 2 $280,000 $140,000 $0 11.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $280,000 $140,000 $0 10.49%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $265,000 $265,000 $0 11.50%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $260,000 $130,000 $0 12.25%
OCALA, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 10.75%
REDDING, CA (FHA|USDA|VA) 2 $230,000 $115,000 $0 11.25%
TUCSON, AZ (FHA|USDA|VA) 2 $220,000 $110,000 $0 10.75%
Clearlake, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 11.50%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $195,000 $195,000 $0 12.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $190,000 $95,000 $0 11.37%
YUBA CITY, CA (FHA|USDA|VA) 3 $185,000 $61,667 $0 12.16%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 13.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $125,000 $125,000 $0 10.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $125,000 $125,000 $0 11.99%
GAINESVILLE, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
YUMA, AZ (FHA|USDA|VA) 2 $110,000 $55,000 $0 13.37%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.99%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 11.99%
Sonora, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.50%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $75,000 $75,000 $0 12.99%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.99%
Granbury, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 13.75%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.99%
Val-chris Investments's top markets include Los Angeles, Riverside, San Francisco, San Diego, and San Jose among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Hawaii (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 990 $263,090,000 $265,747 $0 12.56%
    HELOC 1 $155,000 $155,000 n/a 13.99%
    Reverse Mortgage 1 $65,000 $65,000 $0 13.99%

    For 2023, Val-chris Investments's most frequently originated type of loan was Conventional, with 990 originations. Their 2nd most popular type was HELOC, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 715 $185,705,000 $259,727 $0 12.61%
    Refi 237 $61,695,000 $260,316 $0 12.63%
    Home Purchase 40 $15,910,000 $397,750 $0 11.48%

    For 2023, Val-chris Investments's most frequently cited loan purpose was Cash Out Refi, with 715 originations. The 2nd most popular reason was Refi, with 237 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 966 $257,080,000 $266,128 $0 12.56%
    3 Year 23 $4,825,000 $209,783 $0 12.68%
    1 Year 2 $950,000 $475,000 $0 13.25%
    5 Year 1 $455,000 $455,000 $0 13.75%

    For 2023, Val-chris Investments's most frequently cited loan duration was Other, with 966 originations. The 2nd most popular length was 3 Year, with 23 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 934 $249,360,000 $266,981

    During 2023, 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 934 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 343 $46,595,000 $135,845 $0 12.57%
    $100,000 or less 262 $18,210,000 $69,504 $0 13.12%
    $200k-400k 224 $61,570,000 $274,866 $0 12.33%
    $400k-600k 77 $37,445,000 $486,299 $0 11.91%
    $1MM+ 43 $66,285,000 $1,541,512 $0 12.03%
    $600k-1MM 43 $33,205,000 $772,209 $0 12.13%

    2023 saw Val-chris Investments place emphasis on $100k-200k loans with 343 originations, totaling $46,595,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 290 $139,030,000 $479,414 $0 12.76%
    $150k-250k 254 $54,470,000 $214,449 $0 12.60%
    $100k-150k 219 $33,235,000 $151,758 $0 12.52%
    $75k-100k 114 $16,950,000 $148,684 $0 12.34%
    $50k-75k 70 $9,860,000 $140,857 $0 12.36%
    $50k or less 40 $8,310,000 $207,750 $0 12.20%

    Val-chris Investments lent most frequently to those with incomes in the $250k+ range, with 290 originations. The second most popular income band? $150k-250k, with 254 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 12 $2,490,000 $207,500 $0 12.69%
    20-30% 3 $1,795,000 $598,333 $0 11.92%

    Val-chris Investments lent most frequently to those with DTI ratios of <20%, with 12 originations. The next most common DTI ratio? 20-30%, with 3 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 541 $126,885,000 $234,538 $0 12.69%
    White 332 $101,700,000 $306,325 $0 12.38%
    Asian 52 $20,870,000 $401,346 $0 12.50%
    Black 56 $10,380,000 $185,357 $0 12.52%
    American Indian 3 $1,925,000 $641,667 $0 12.99%
    Not applicable 6 $1,330,000 $221,667 $0 13.00%
    Native Hawaiian or Islander 2 $220,000 $110,000 $0 13.25%

    Approval Rates

    Total approvals of all applications
    100.00%

    Val-chris Investments has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    91.94%

    Val-chris Investments has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 992 $263,310,000 $265,433

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    992 $263,310,000 $265,433

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 224 $59,070,000 $263,705 $0 12.18%
    40-60% 155 $65,255,000 $421,000 $0 11.32%
    60-80% 38 $21,320,000 $561,053 $0 11.66%
    Over 100% 6 $2,640,000 $440,000 $0 13.37%
    Under 20% 540 $108,090,000 $200,167 $0 13.14%