Val-chris Investments Mortgage Rates, Fees & Info

IRVINE, CA

LEI: 549300KP95LHU8OP0H40

Tax ID: 95-3206305

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • 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 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.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Val-chris Investments. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    445

    Origination Dollar Volume (All Markets)

    $187,485,000

    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
    Outside of Metro Areas 445 $187,485,000 $421,315 $0 10.46%
    Val-chris Investments's top markets include

    Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Hawaii (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 442 $186,710,000 $422,421 $0 10.46%
    HELOC 3 $775,000 $258,333 n/a 10.16%

    For 2021, Val-chris Investments's most frequently originated type of loan was Conventional, with 442 originations. Their 2nd most popular type was HELOC, with 3 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 315 $128,295,000 $407,286 $0 10.55%
    Home Purchase 126 $57,410,000 $455,635 $0 10.24%
    Refi 4 $1,780,000 $445,000 $0 9.93%

    For 2021, Val-chris Investments's most frequently cited loan purpose was Cash Out Refi, with 315 originations. The 2nd most popular reason was Home Purchase, with 126 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    3 Year 268 $103,120,000 $384,776 $0 10.50%
    1 Year 65 $37,485,000 $576,692 $0 10.64%
    5 Year 63 $23,615,000 $374,841 $0 10.17%
    Other 47 $22,925,000 $487,766 $0 10.43%
    10 Year 2 $340,000 $170,000 $0 8.38%

    For 2021, Val-chris Investments's most frequently cited loan duration was 3 Year, with 268 originations. The 2nd most popular length was 1 Year, with 65 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 411 $178,755,000 $434,927
    7-8% 33 $8,475,000 $256,818

    During 2021, 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 411 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 139 $39,165,000 $281,763 $0 10.22%
    $100k-200k 98 $14,400,000 $146,939 $0 10.80%
    $400k-600k 64 $31,100,000 $485,938 $0 10.21%
    $100,000 or less 58 $4,090,000 $70,517 $0 11.05%
    $600k-1MM 46 $35,700,000 $776,087 $0 10.06%
    $1MM+ 40 $63,030,000 $1,575,750 $0 10.40%

    2021 saw Val-chris Investments place emphasis on $200k-400k loans with 139 originations, totaling $39,165,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 126 $89,060,000 $706,825 $0 10.94%
    $150k-250k 96 $38,020,000 $396,042 $0 10.66%
    $100k-150k 94 $27,760,000 $295,319 $0 10.32%
    $75k-100k 52 $13,700,000 $263,462 $0 10.30%
    $50k-75k 38 $6,420,000 $168,947 $0 9.75%
    $50k or less 33 $7,985,000 $241,970 $0 9.71%

    Val-chris Investments lent most frequently to those with incomes in the $250k+ range, with 126 originations. The second most popular income band? $150k-250k, with 96 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 271 $86,235,000 $318,210 $0 10.81%
    20-30% 79 $36,075,000 $456,646 $0 9.82%
    30-36% 31 $19,375,000 $625,000 $0 9.95%
    38% 8 $3,920,000 $490,000 $0 9.78%
    50-60% 7 $8,695,000 $1,242,143 $0 10.21%
    36% 7 $3,935,000 $562,143 $0 9.89%
    44% 6 $4,740,000 $790,000 $0 9.68%
    40% 6 $4,960,000 $826,667 $0 10.19%
    >60% 4 $4,540,000 $1,135,000 $0 10.00%
    39% 4 $2,920,000 $730,000 $0 10.53%
    37% 3 $1,725,000 $575,000 $0 10.33%
    45% 3 $1,005,000 $335,000 $0 8.92%
    47% 2 $950,000 $475,000 $0 9.63%
    49% 2 $830,000 $415,000 $0 10.25%
    42% 2 $1,330,000 $665,000 $0 10.75%
    43% 1 $2,705,000 $2,705,000 $0 10.75%
    46% 1 $315,000 $315,000 $0 10.99%

    Val-chris Investments lent most frequently to those with DTI ratios of <20%, with 271 originations. The next most common DTI ratio? 20-30%, with 79 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 196 $74,280,000 $378,980 $0 10.31%
    Not provided 139 $62,285,000 $448,094 $0 10.58%
    Black 56 $26,250,000 $468,750 $0 10.58%
    Asian 52 $23,980,000 $461,154 $0 10.55%
    Native Hawaiian or Islander 1 $545,000 $545,000 $0 9.99%
    Not applicable 1 $145,000 $145,000 $0 10.88%

    Approval Rates

    Total approvals of all applications
    99.79%

    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
    90.79%

    Val-chris Investments has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 445 $187,485,000 $421,315

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    445 $187,485,000 $421,315

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 89 $34,615,000 $388,933 $0 10.45%
    40-60% 95 $47,465,000 $499,632 $0 9.68%
    60-80% 120 $68,170,000 $568,083 $0 10.03%
    Over 100% 2 $1,420,000 $710,000 $0 10.50%
    Under 20% 138 $35,570,000 $257,754 $0 11.38%