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 Home Purchase loans. Val-chris Investments has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, San Diego, and Sacramento among others. We have data for 27 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
430Origination Dollar Volume (All Markets)
$167,050,000Top 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) | 161 | $73,265,000 | $455,062 | $0 | 10.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 82 | $21,180,000 | $258,293 | $0 | 10.69% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 32 | $20,990,000 | $655,938 | $0 | 11.10% |
| Outside of Metro Areas | 38 | $17,750,000 | $467,105 | $0 | 10.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 15 | $5,075,000 | $338,333 | $0 | 11.15% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 15 | $4,425,000 | $295,000 | $0 | 10.61% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 10 | $4,140,000 | $414,000 | $0 | 11.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 11 | $2,835,000 | $257,727 | $0 | 11.93% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $2,630,000 | $657,500 | $0 | 10.62% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,730,000 | $865,000 | $0 | 10.75% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $0 | 10.83% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 9 | $1,395,000 | $155,000 | $0 | 9.77% |
| VISALIA, CA (FHA|USDA|VA) | 10 | $1,260,000 | $126,000 | $0 | 10.37% |
| MADERA, CA (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $0 | 10.56% |
| Ukiah, CA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $0 | 10.08% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $0 | 9.79% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $950,000 | $158,333 | $0 | 11.08% |
| NAPA, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $0 | 10.75% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $0 | 10.29% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $0 | 11.00% |
| CHICO, CA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $0 | 9.66% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $0 | 10.81% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 11.00% |
| REDDING, CA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 10.75% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 9.13% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 10.50% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.99% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 429 | $166,915,000 | $389,079 | $0 | 10.80% |
| HELOC | 1 | $135,000 | $135,000 | n/a | 9.99% |
For 2020, Val-chris Investments's most frequently originated type of loan was Conventional, with 429 originations. Their 2nd most popular type was HELOC, with 1 originations.
Loan Reason
For 2020, Val-chris Investments's most frequently cited loan purpose was Cash Out Refi, with 320 originations. The 2nd most popular reason was Home Purchase, with 104 originations.
Loan Duration/Length
For 2020, Val-chris Investments's most frequently cited loan duration was 3 Year, with 297 originations. The 2nd most popular length was 5 Year, with 49 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 412 | $160,430,000 | $389,393 |
| 7-8% | 13 | $2,615,000 | $201,154 |
| 6-7% | 1 | $55,000 | $55,000 |
During 2020, 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 412 originations.
Loan Sizing
2020 saw Val-chris Investments place emphasis on $100k-200k loans with 122 originations, totaling $17,030,000 in origination value.
Applicant Income
Val-chris Investments lent most frequently to those with incomes in the $250k+ range, with 112 originations. The second most popular income band? $150k-250k, with 107 originations.
Applicant Debt to Income Ratio
Val-chris Investments lent most frequently to those with DTI ratios of <20%, with 256 originations. The next most common DTI ratio? 20-30%, with 62 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 origination82.56%
Val-chris Investments has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 430 | $167,050,000 | $388,488 |