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 loans. Val-chris Investments has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, San Jose, and San Diego among others. We have data for 28 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 a below 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% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
630Origination Dollar Volume (All Markets)
$150,360,000Top 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) | 313 | $82,195,000 | $262,604 | $0 | 11.20% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 102 | $23,030,000 | $225,784 | $0 | 10.51% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 53 | $12,155,000 | $229,340 | $0 | 11.19% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 36 | $10,280,000 | $285,556 | $0 | 11.30% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 28 | $7,130,000 | $254,643 | $0 | 11.05% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 20 | $2,890,000 | $144,500 | $0 | 10.61% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 10 | $2,730,000 | $273,000 | $0 | 10.70% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $0 | 11.24% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $0 | 11.08% |
| STOCKTON, CA (FHA|USDA|VA) | 11 | $1,105,000 | $100,455 | $0 | 9.57% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $0 | 10.22% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $0 | 11.50% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $0 | 11.10% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 6 | $660,000 | $110,000 | $0 | 11.62% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $0 | 10.50% |
| MERCED, CA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $0 | 9.42% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 10.13% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 9.68% |
| REDDING, CA (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $0 | 9.33% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 11.75% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 10.99% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 10.75% |
| CHICO, CA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 9.87% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.99% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $105,000 | $35,000 | $0 | 12.16% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.00% |
| NAPA, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 11.75% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.99% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 628 | $150,150,000 | $239,092 | $0 | 11.00% |
| HELOC | 2 | $210,000 | $105,000 | n/a | 8.38% |
For 2018, Val-chris Investments's most frequently originated type of loan was Conventional, with 628 originations. Their 2nd most popular type was HELOC, with 2 originations.
Loan Reason
For 2018, Val-chris Investments's most frequently cited loan purpose was Cash Out Refi, with 542 originations. The 2nd most popular reason was Home Purchase, with 69 originations.
Loan Duration/Length
For 2018, Val-chris Investments's most frequently cited loan duration was 3 Year, with 457 originations. The 2nd most popular length was 5 Year, with 122 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 590 | $142,080,000 | $240,814 |
| 7-8% | 37 | $7,025,000 | $189,865 |
| 6-7% | 1 | $35,000 | $35,000 |
During 2018, 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 590 originations.
Loan Sizing
2018 saw Val-chris Investments place emphasis on $100k-200k loans with 208 originations, totaling $28,690,000 in origination value.
Applicant Income
Val-chris Investments lent most frequently to those with incomes in the $250k+ range, with 161 originations. The second most popular income band? $150k-250k, with 145 originations.
Applicant Debt to Income Ratio
Val-chris Investments lent most frequently to those with DTI ratios of <20%, with 416 originations. The next most common DTI ratio? 20-30%, with 70 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.86%
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 origination86.98%
Val-chris Investments has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 630 | $150,360,000 | $238,667 |