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.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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/22/24 |
| 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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Originations
562Origination Dollar Volume (All Markets)
$151,320,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 562 | $151,320,000 | $269,253 | $0 | 10.92% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 560 | $150,140,000 | $268,107 | $0 | 10.91% |
| HELOC | 2 | $1,180,000 | $590,000 | n/a | 11.69% |
For 2019, Val-chris Investments's most frequently originated type of loan was Conventional, with 560 originations. Their 2nd most popular type was HELOC, with 2 originations.
Loan Reason
For 2019, Val-chris Investments's most frequently cited loan purpose was Cash Out Refi, with 506 originations. The 2nd most popular reason was Home Purchase, with 50 originations.
Loan Duration/Length
For 2019, Val-chris Investments's most frequently cited loan duration was 3 Year, with 421 originations. The 2nd most popular length was 5 Year, with 84 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 531 | $145,605,000 | $274,209 |
| 7-8% | 30 | $5,500,000 | $183,333 |
| 6-7% | 1 | $215,000 | $215,000 |
During 2019, 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 531 originations.
Loan Sizing
2019 saw Val-chris Investments place emphasis on $100k-200k loans with 180 originations, totaling $25,180,000 in origination value.
Applicant Income
Val-chris Investments lent most frequently to those with incomes in the $250k+ range, with 134 originations. The second most popular income band? $100k-150k, with 131 originations.
Applicant Debt to Income Ratio
Val-chris Investments lent most frequently to those with DTI ratios of <20%, with 365 originations. The next most common DTI ratio? 20-30%, with 72 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.84%
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 origination88.97%
Val-chris Investments has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 562 | $151,320,000 | $269,253 |