Val-Chris Investments Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Val-Chris Investments Inc. of Irvine, CA reported 713 mortgage applications totaling $174.9 million. The average application was for $245,308, and applicants reported an average income of $236,525. 88% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (252), Riverside-San Bernardino-Ontario, CA (112) and Anaheim-Santa Ana-Irvine, CA (111) (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 | 713 |
| Total Mortgage Loan Application Amount | $174,905,000 |
| Average Mortgage Loan Application Amount | $245,308 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $236,525 |
| Highest Applicant Income | $5,400,000 |
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records Val-Chris Investments Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 252 | $ 67,660,000 | $ 268,492 | $ 229,000 |
| Orange, California | 111 | $ 33,845,000 | $ 304,909 | $ 344,000 |
| Riverside, California | 74 | $ 18,090,000 | $ 244,459 | $ 260,000 |
| Santa Clara, California | 39 | $ 11,375,000 | $ 291,666 | $ 320,000 |
| San Bernardino, California | 38 | $ 5,990,000 | $ 157,631 | $ 127,000 |
| San Diego, California | 30 | $ 7,400,000 | $ 246,666 | $ 224,000 |
| Alameda, California | 22 | $ 4,640,000 | $ 210,909 | $ 158,000 |
| San Mateo, California | 13 | $ 3,125,000 | $ 240,384 | $ 261,000 |
| San Joaquin, California | 11 | $ 1,105,000 | $ 100,454 | $ 89,000 |
| Contra Costa, California | 10 | $ 2,500,000 | $ 250,000 | $ 171,000 |
| Sacramento, California | 10 | $ 1,280,000 | $ 128,000 | $ 115,000 |
| Ventura, California | 10 | $ 2,730,000 | $ 273,000 | $ 249,000 |
| Placer, California | 9 | $ 1,565,000 | $ 173,888 | $ 213,000 |
| San Francisco, California | 8 | $ 1,090,000 | $ 136,250 | $ 280,000 |
| Kern, California | 6 | $ 880,000 | $ 146,666 | $ 167,000 |
| San Luis Obispo, California | 6 | $ 1,200,000 | $ 200,000 | $ 150,000 |
| Sonoma, California | 6 | $ 660,000 | $ 110,000 | $ 176,000 |
| Stanislaus, California | 6 | $ 830,000 | $ 138,333 | $ 148,000 |
| Marin, California | 5 | $ 1,855,000 | $ 371,000 | $ 183,000 |
| Santa Barbara, California | 5 | $ 1,275,000 | $ 255,000 | $ 394,000 |
| Solano, California | 5 | $ 725,000 | $ 145,000 | $ 113,000 |
| Fresno, California | 4 | $ 160,000 | $ 40,000 | $ 109,000 |
| Merced, California | 4 | $ 720,000 | $ 180,000 | $ 330,000 |
| Santa Cruz, California | 4 | $ 1,270,000 | $ 317,500 | $ 303,000 |
| Butte, California | 3 | $ 225,000 | $ 75,000 | $ 132,000 |
| Mendocino, California | 3 | $ 705,000 | $ 235,000 | $ 148,000 |
| Monterey, California | 3 | $ 235,000 | $ 78,333 | $ 152,000 |
| Shasta, California | 3 | $ 265,000 | $ 88,333 | $ 50,000 |
| Tulare, California | 3 | $ 355,000 | $ 118,333 | $ 65,000 |
| Yolo, California | 3 | $ 385,000 | $ 128,333 | $ 150,000 |
| Del Norte, California | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| El Dorado, California | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Humboldt, California | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Imperial, California | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Napa, California | 1 | $ 85,000 | $ 85,000 | $ 168,000 |
| Tehama, California | 1 | $ 125,000 | $ 125,000 | $ 38,000 |
| Yuba, California | 1 | $ 205,000 | $ 205,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for Val-Chris Investments Inc. in 2018
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 | 605 | $137,005,000 | $226,000 | $3,005,000 | $210,000 | $2,220,000 |
| Home Purchase | 87 | $34,035,000 | $391,000 | $2,535,000 | $379,000 | $5,040,000 |
| Home Improvement | 10 | $1,200,000 | $120,000 | $315,000 | $122,000 | $208,000 |
| Refinancing | 10 | $2,560,000 | $256,000 | $715,000 | $725,000 | $5,400,000 |
| Not Applicable | 1 | $105,000 | $105,000 | $105,000 | $150,000 | $150,000 |
| Other Purpose | 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 | 261 | $66,885,000 | $256,000 | $2,005,000 | $273,000 | $5,400,000 |
| Not Provided | 214 | $53,170,000 | $248,000 | $2,535,000 | $247,000 | $5,040,000 |
| Hispanic | 113 | $20,495,000 | $181,000 | $1,055,000 | $163,000 | $1,278,000 |
| Black or African American | 56 | $9,300,000 | $166,000 | $725,000 | $150,000 | $436,000 |
| Asian | 47 | $16,985,000 | $361,000 | $3,005,000 | $260,000 | $1,440,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,240,000 | $155,000 | $265,000 | $146,000 | $304,000 |
| Not applicable | 6 | $5,370,000 | $895,000 | $2,705,000 | $112,000 | $240,000 |
| American Indian or Alaskan Native | 4 | $860,000 | $215,000 | $455,000 | $833,000 | $2,400,000 |
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) | 713 | $174,905,000 | $245,000 | $3,005,000 | $237,000 | $5,400,000 |
| 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 | 630 | $150,360,000 | $238,000 | $3,005,000 | $236,000 | $5,400,000 |
| Application Withdrawn By Applicant | 82 | $24,270,000 | $295,000 | $2,535,000 | $242,000 | $1,200,000 |
| Application Denied By Financial Institution | 1 | $275,000 | $275,000 | $275,000 | $613,000 | $613,000 |
| Application Approved But Not Accepted | 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 | 712 | $174,630,000 | $245,000 | $3,005,000 | $237,000 | $5,400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $275,000 | $275,000 | $275,000 | $613,000 | $613,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Val-Chris Investments Inc.'s 2018 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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