Val-chris Investments Mortgage Rates, Fees & Info
IRVINE, CALEI: 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 Diego, San Francisco, and San Jose among others. We have data for 63 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.
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Originations
917Origination Dollar Volume (All Markets)
$231,645,000Top 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) | 334 | $99,230,000 | $297,096 | $0 | 13.08% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 168 | $34,990,000 | $208,274 | $0 | 12.83% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 68 | $20,360,000 | $299,412 | $0 | 12.90% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 59 | $18,065,000 | $306,186 | $0 | 13.04% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 25 | $9,145,000 | $365,800 | $0 | 13.80% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 16 | $4,580,000 | $286,250 | $0 | 13.17% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 11 | $4,405,000 | $400,455 | $0 | 12.72% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 19 | $4,375,000 | $230,263 | $0 | 13.23% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $4,225,000 | $325,000 | $0 | 11.24% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 26 | $3,290,000 | $126,538 | $0 | 13.02% |
| Outside of Metro Areas | 14 | $2,950,000 | $210,714 | $0 | 13.64% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 9 | $2,165,000 | $240,556 | $0 | 12.99% |
| STOCKTON, CA (FHA|USDA|VA) | 11 | $1,935,000 | $175,909 | $0 | 12.04% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 8 | $1,870,000 | $233,750 | $0 | 12.06% |
| MODESTO, CA (FHA|USDA|VA) | 12 | $1,390,000 | $115,833 | $0 | 12.70% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $0 | 11.49% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 14 | $1,200,000 | $85,714 | $0 | 12.76% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $1,150,000 | $143,750 | $0 | 13.31% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $0 | 13.49% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $0 | 11.33% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $0 | 11.34% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 12.66% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $0 | 11.50% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $0 | 13.49% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $0 | 11.25% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $0 | 13.30% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $0 | 12.49% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $0 | 11.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 11.00% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 13.49% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $0 | 13.06% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 11.33% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 14.49% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 12.99% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 11.99% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 12.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 13.16% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 14.13% |
| CHICO, CA (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $0 | 12.00% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 11.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 10.75% |
| OCALA, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 11.50% |
| Sonora, CA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 10.99% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 13.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 12.50% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 10.99% |
| EL CENTRO, CA (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 14.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 11.37% |
| MERCED, CA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 14.75% |
| NAPA, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 10.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 10.99% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 12.99% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 11.75% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 12.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.99% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 14.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 11.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 12.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 12.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.99% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 12.50% |
| MADERA, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 14.50% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 914 | $231,160,000 | $252,910 | $0 | 12.91% |
| HELOC | 3 | $485,000 | $161,667 | n/a | 11.66% |
For 2024, Val-chris Investments's most frequently originated type of loan was Conventional, with 914 originations. Their 2nd most popular type was HELOC, with 3 originations.
Loan Reason
For 2024, Val-chris Investments's most frequently cited loan purpose was Cash Out Refi, with 491 originations. The 2nd most popular reason was Refi, with 396 originations.
Loan Duration/Length
For 2024, Val-chris Investments's most frequently cited loan duration was 3 Year, with 788 originations. The 2nd most popular length was Other, with 72 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 904 | $229,000,000 | $253,319 |
| 7-8% | 1 | $255,000 | $255,000 |
During 2024, 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 904 originations.
Loan Sizing
2024 saw Val-chris Investments place emphasis on $100k-200k loans with 295 originations, totaling $42,125,000 in origination value.
Applicant Income
Val-chris Investments lent most frequently to those with incomes in the $250k+ range, with 294 originations. The second most popular income band? $150k-250k, with 250 originations.
Applicant Debt to Income Ratio
Val-chris Investments lent most frequently to those with DTI ratios of <20%, with 658 originations. The next most common DTI ratio? 20-30%, with 76 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
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 origination91.28%
Val-chris Investments has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 917 | $231,645,000 | $252,612 |