Val-chris Investments Mortgage Rates, Fees & Info

IRVINE, CA

LEI: 549300KP95LHU8OP0H40

Tax ID: 95-3206305

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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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    Originations

    630

    Origination Dollar Volume (All Markets)

    $150,360,000

    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) 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%
    Val-chris Investments's top markets include Los Angeles, Riverside, San Francisco, San Jose, and San Diego among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 542 $123,820,000 $228,450 $0 11.05%
    Home Purchase 69 $22,825,000 $330,797 $0 10.57%
    Refi 10 $2,560,000 $256,000 $0 10.37%
    Home Improvement 9 $1,155,000 $128,333 $0 11.37%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    3 Year 457 $103,585,000 $226,663 $0 11.08%
    5 Year 122 $21,680,000 $177,705 $0 10.54%
    Other 34 $18,450,000 $542,647 $0 11.08%
    1 Year 17 $6,645,000 $390,882 $0 11.55%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 208 $28,690,000 $137,933 $0 10.94%
    $100,000 or less 180 $11,510,000 $63,944 $0 11.44%
    $200k-400k 153 $41,435,000 $270,817 $0 10.80%
    $400k-600k 42 $19,900,000 $473,810 $0 10.50%
    $600k-1MM 27 $19,795,000 $733,148 $0 10.70%
    $1MM+ 20 $29,030,000 $1,451,500 $0 10.38%

    2018 saw Val-chris Investments place emphasis on $100k-200k loans with 208 originations, totaling $28,690,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 161 $66,405,000 $412,453 $0 11.40%
    $150k-250k 145 $28,365,000 $195,621 $0 11.39%
    $100k-150k 136 $24,480,000 $180,000 $0 10.98%
    $75k-100k 73 $10,875,000 $148,973 $0 10.74%
    $50k-75k 60 $7,650,000 $127,500 $0 10.28%
    $50k or less 46 $7,030,000 $152,826 $0 9.76%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 416 $77,940,000 $187,356 $0 11.18%
    20-30% 70 $29,770,000 $425,286 $0 10.29%
    30-36% 16 $6,600,000 $412,500 $0 10.28%
    36% 6 $1,630,000 $271,667 $0 10.29%
    50-60% 3 $1,815,000 $605,000 $0 10.62%
    40% 3 $1,105,000 $368,333 $0 10.08%
    >60% 2 $3,160,000 $1,580,000 $0 11.25%
    37% 2 $780,000 $390,000 $0 10.37%
    41% 2 $500,000 $250,000 $0 10.75%
    43% 2 $660,000 $330,000 $0 10.31%
    38% 1 $565,000 $565,000 $0 9.88%
    44% 1 $255,000 $255,000 $0 8.99%
    45% 1 $1,365,000 $1,365,000 $0 8.99%
    46% 1 $185,000 $185,000 $0 8.99%
    49% 1 $135,000 $135,000 $0 12.25%
    39% 1 $1,455,000 $1,455,000 $0 9.50%
    42% 1 $1,405,000 $1,405,000 $0 9.99%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 304 $69,030,000 $227,072 $0 10.99%
    Not provided 214 $48,650,000 $227,336 $0 10.91%
    Asian 44 $16,460,000 $374,091 $0 11.40%
    Black 46 $7,860,000 $170,870 $0 11.23%
    Not applicable 7 $5,835,000 $833,571 $0 10.03%
    Native Hawaiian or Islander 8 $1,240,000 $155,000 $0 11.22%
    American Indian 4 $860,000 $215,000 $0 9.06%
    Chinese 1 $255,000 $255,000 $0 9.88%
    Asian Indian 2 $170,000 $85,000 $0 11.37%

    Approval Rates

    Total approvals of all applications
    99.86%

    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 origination
    86.98%

    Val-chris Investments has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 630 $150,360,000 $238,667

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $615,000 $205,000
    Single Family (1-4 Units):Manufactured 1 $215,000 $215,000
    Single Family (1-4 Units):Site-Built 626 $149,530,000 $238,866

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 139 $36,755,000 $264,424 $0 10.49%
    40-60% 101 $37,405,000 $370,347 $0 9.87%
    60-80% 82 $30,810,000 $375,732 $0 10.45%
    Over 100% 1 $105,000 $105,000 $0 7.50%
    Under 20% 306 $45,170,000 $147,614 $0 11.75%