Val-Chris Investments Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Val-Chris Investments Inc. of Irvine, CA reported 801 mortgage applications totaling $262.9 million, down 20% from 2024. The average application was for $328,208, and applicants reported an average income of $375,319. 96% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (176), Riverside-San Bernardino-Ontario, CA (111) and Anaheim-Santa Ana-Irvine, CA (106) (applications in parentheses).
| Mortgage Company & Address | Val-Chris Investments Inc. 2601 Main St #400 Irvine, CA 92620 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 801 |
| Total Mortgage Loan Application Amount | $262,895,000 |
| Average Mortgage Loan Application Amount | $328,208 |
| Highest Mortgage Loan Application Amount | $3,605,000 |
| Average Applicant Income | $375,319 |
| Highest Applicant Income | $8,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Val-Chris Investments Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 176 | $ 66,540,000 | $ 378,068 | $ 386,000 |
| Orange, California | 106 | $ 52,830,000 | $ 498,396 | $ 584,000 |
| San Diego, California | 65 | $ 26,225,000 | $ 403,461 | $ 388,000 |
| Riverside, California | 60 | $ 12,630,000 | $ 210,500 | $ 256,000 |
| San Bernardino, California | 51 | $ 9,255,000 | $ 181,470 | $ 372,000 |
| Maricopa, Arizona | 25 | $ 5,725,000 | $ 229,000 | $ 251,000 |
| Contra Costa, California | 16 | $ 5,620,000 | $ 351,250 | $ 260,000 |
| Sacramento, California | 16 | $ 2,700,000 | $ 168,750 | $ 221,000 |
| San Mateo, California | 13 | $ 5,815,000 | $ 447,307 | $ 1,109,000 |
| Santa Clara, California | 12 | $ 3,570,000 | $ 297,500 | $ 262,000 |
| Alameda, California | 11 | $ 3,685,000 | $ 335,000 | $ 275,000 |
| San Joaquin, California | 10 | $ 1,370,000 | $ 137,000 | $ 124,000 |
| Ventura, California | 10 | $ 5,540,000 | $ 554,000 | $ 779,000 |
| Kern, California | 9 | $ 2,095,000 | $ 232,777 | $ 338,000 |
| Monterey, California | 9 | $ 1,445,000 | $ 160,555 | $ 175,000 |
| Santa Barbara, California | 9 | $ 2,895,000 | $ 321,666 | $ 292,000 |
| Fresno, California | 8 | $ 970,000 | $ 121,250 | $ 133,000 |
| Tulare, California | 8 | $ 3,910,000 | $ 488,750 | $ 216,000 |
| Honolulu, Hawaii | 8 | $ 1,940,000 | $ 242,500 | $ 178,000 |
| Clark, Nevada | 8 | $ 1,520,000 | $ 190,000 | $ 215,000 |
| Stanislaus, California | 7 | $ 725,000 | $ 103,571 | $ 128,000 |
| Mohave, Arizona | 6 | $ 1,070,000 | $ 178,333 | $ 161,000 |
| Palm Beach, Florida | 6 | $ 1,840,000 | $ 306,666 | $ 266,000 |
| Maui, Hawaii | 5 | $ 1,035,000 | $ 207,000 | $ 158,000 |
| Pima, Arizona | 4 | $ 690,000 | $ 172,500 | $ 171,000 |
| Pinal, Arizona | 4 | $ 540,000 | $ 135,000 | $ 117,000 |
| Placer, California | 4 | $ 720,000 | $ 180,000 | $ 322,000 |
| San Francisco, California | 4 | $ 1,320,000 | $ 330,000 | $ 477,000 |
| Broward, Florida | 4 | $ 900,000 | $ 225,000 | $ 163,000 |
| Miami-Dade, Florida | 4 | $ 740,000 | $ 185,000 | $ 185,000 |
| El Dorado, California | 3 | $ 1,775,000 | $ 591,666 | $ 542,000 |
| Madera, California | 3 | $ 435,000 | $ 145,000 | $ 99,000 |
| Marin, California | 3 | $ 1,295,000 | $ 431,666 | $ 50,000 |
| San Luis Obispo, California | 3 | $ 565,000 | $ 188,333 | $ 400,000 |
| Shasta, California | 3 | $ 855,000 | $ 285,000 | $ 435,000 |
| Sutter, California | 3 | $ 485,000 | $ 161,666 | $ 448,000 |
| Yuba, California | 3 | $ 1,095,000 | $ 365,000 | $ 385,000 |
| Dallas, Texas | 3 | $ 325,000 | $ 108,333 | $ 183,000 |
| Santa Cruz, Arizona | 2 | $ 160,000 | $ 80,000 | $ 224,000 |
| Yuma, Arizona | 2 | $ 120,000 | $ 60,000 | $ 110,000 |
| Butte, California | 2 | $ 180,000 | $ 90,000 | $ 140,000 |
| Merced, California | 2 | $ 180,000 | $ 90,000 | $ 225,000 |
| Nevada, California | 2 | $ 870,000 | $ 435,000 | $ 268,000 |
| San Benito, California | 2 | $ 1,090,000 | $ 545,000 | $ 310,000 |
| Santa Cruz, California | 2 | $ 340,000 | $ 170,000 | $ 182,000 |
| Solano, California | 2 | $ 460,000 | $ 230,000 | $ 186,000 |
| Sonoma, California | 2 | $ 410,000 | $ 205,000 | $ 178,000 |
| Tuolumne, California | 2 | $ 380,000 | $ 190,000 | $ 553,000 |
| Yolo, California | 2 | $ 250,000 | $ 125,000 | $ 141,000 |
| Brevard, Florida | 2 | $ 280,000 | $ 140,000 | $ 99,000 |
| Charlotte, Florida | 2 | $ 640,000 | $ 320,000 | $ 656,000 |
| Flagler, Florida | 2 | $ 860,000 | $ 430,000 | $ 202,000 |
| Indian River, Florida | 2 | $ 200,000 | $ 100,000 | $ 180,000 |
| Orange, Florida | 2 | $ 680,000 | $ 340,000 | $ 177,000 |
| Washoe, Nevada | 2 | $ 530,000 | $ 265,000 | $ 1,080,000 |
| Bexar, Texas | 2 | $ 380,000 | $ 190,000 | $ 117,000 |
| Tarrant, Texas | 2 | $ 580,000 | $ 290,000 | $ 124,000 |
| Gila, Arizona | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| Navajo, Arizona | 1 | $ 105,000 | $ 105,000 | $ 142,000 |
| Yavapai, Arizona | 1 | $ 155,000 | $ 155,000 | $ 300,000 |
| Calaveras, California | 1 | $ 415,000 | $ 415,000 | $ 270,000 |
| Kings, California | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Mendocino, California | 1 | $ 475,000 | $ 475,000 | $ 40,000 |
| Mono, California | 1 | $ 355,000 | $ 355,000 | $ 192,000 |
| Napa, California | 1 | $ 255,000 | $ 255,000 | $ 444,000 |
| Siskiyou, California | 1 | $ 65,000 | $ 65,000 | $ 300,000 |
| Tehama, California | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| El Paso, Colorado | 1 | $ 565,000 | $ 565,000 | $ 300,000 |
| Gunnison, Colorado | 1 | $ 505,000 | $ 505,000 | $ 3,000,000 |
| Weld, Colorado | 1 | $ 195,000 | $ 195,000 | $ 780,000 |
| Bay, Florida | 1 | $ 2,565,000 | $ 2,565,000 | $ 0 |
| Clay, Florida | 1 | $ 175,000 | $ 175,000 | $ 192,000 |
| Duval, Florida | 1 | $ 255,000 | $ 255,000 | $ 377,000 |
| Escambia, Florida | 1 | $ 135,000 | $ 135,000 | $ 240,000 |
| Hernando, Florida | 1 | $ 155,000 | $ 155,000 | $ 121,000 |
| Hillsborough, Florida | 1 | $ 85,000 | $ 85,000 | $ 106,000 |
| Marion, Florida | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Martin, Florida | 1 | $ 805,000 | $ 805,000 | $ 504,000 |
| Osceola, Florida | 1 | $ 165,000 | $ 165,000 | $ 126,000 |
| Polk, Florida | 1 | $ 75,000 | $ 75,000 | $ 129,000 |
| Seminole, Florida | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| St. Lucie, Florida | 1 | $ 355,000 | $ 355,000 | $ 323,000 |
| Hawaii, Hawaii | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Kauai, Hawaii | 1 | $ 405,000 | $ 405,000 | $ 600,000 |
| Pottawatomie, Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Cameron, Texas | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| El Paso, Texas | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| Harris, Texas | 1 | $ 125,000 | $ 125,000 | $ 112,000 |
| Hidalgo, Texas | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Marion, Texas | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Travis, Texas | 1 | $ 235,000 | $ 235,000 | $ 180,000 |
| Williamson, Texas | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Clallam, Washington | 1 | $ 155,000 | $ 155,000 | $ 171,000 |
| King, Washington | 1 | $ 65,000 | $ 65,000 | $ 6,000 |
| Kitsap, Washington | 1 | $ 375,000 | $ 375,000 | $ 223,000 |
Mortgage Loan Application Detail Totals for Val-Chris Investments Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 791 | $260,895,000 | $329,000 | $3,605,000 | $378,000 | $8,400,000 |
| Home Purchase | 6 | $920,000 | $153,000 | $245,000 | $122,000 | $180,000 |
| Not Applicable | 2 | $410,000 | $205,000 | $205,000 | $300,000 | $360,000 |
| Other Purpose | 1 | $565,000 | $565,000 | $565,000 | $187,000 | $187,000 |
| Refinancing | 1 | $105,000 | $105,000 | $105,000 | $114,000 | $114,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 284 | $100,960,000 | $355,000 | $3,605,000 | $434,000 | $7,320,000 |
| Not Provided | 215 | $71,125,000 | $330,000 | $3,505,000 | $364,000 | $8,400,000 |
| Hispanic | 177 | $39,245,000 | $221,000 | $2,275,000 | $297,000 | $8,004,000 |
| Asian | 71 | $31,435,000 | $442,000 | $2,655,000 | $413,000 | $1,800,000 |
| Black or African American | 50 | $18,810,000 | $376,000 | $2,205,000 | $311,000 | $3,559,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $610,000 | $305,000 | $405,000 | $119,000 | $143,000 |
| American Indian or Alaskan Native | 2 | $710,000 | $355,000 | $505,000 | $770,000 | $1,200,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 801 | $262,895,000 | $328,000 | $3,605,000 | $376,000 | $8,400,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 766 | $251,800,000 | $328,000 | $3,605,000 | $376,000 | $8,400,000 |
| Application Withdrawn By Applicant | 18 | $6,420,000 | $356,000 | $1,205,000 | $442,000 | $2,100,000 |
| Application Approved But Not Accepted | 17 | $4,675,000 | $275,000 | $1,005,000 | $288,000 | $780,000 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 801 | $262,895,000 | $328,000 | $3,605,000 | $376,000 | $8,400,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Val-Chris Investments Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Val-Chris Investments Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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