Val-chris Investments Mortgage Rates, Fees & InfoIRVINE, CA
Tax ID: 95-3206305
Latest/2022 | 2021 Data | 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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|Simulated Rate||Simulation Date|
|Home Equity Line of Credit (HELOC)||6.27%||9/25/23|
|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 EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Val-chris Investments. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$263,245,000
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||725||$263,245,000||$363,097||$0||11.10%|
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Val-chris Investments's most frequently originated type of loan was Conventional, with 720 originations. Their 2nd most popular type was HELOC, with 5 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
|Cash Out Refi||534||$159,890,000||$299,419||$0||11.29%|
For 2022, Val-chris Investments's most frequently cited loan purpose was Cash Out Refi, with 534 originations. The 2nd most popular reason was Home Purchase, with 108 originations.
For 2022, Val-chris Investments's most frequently cited loan duration was 3 Year, with 319 originations. The 2nd most popular length was Other, with 303 originations.
|Loan Rate||Originations||Total Value||Average Loan|
During 2022, 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 575 originations.
2022 saw Val-chris Investments place emphasis on $200k-400k loans with 195 originations, totaling $55,345,000 in origination value.
Val-chris Investments lent most frequently to those with incomes in the $250k+ range, with 208 originations. The second most popular income band? $100k-150k, with 154 originations.
Applicant Debt to Income Ratio
Val-chris Investments lent most frequently to those with DTI ratios of <20%, with 261 originations. The next most common DTI ratio? 20-30%, with 56 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|