Val-Chris Investments Inc. Mortgage Lending & HMDA Data, 2023
In 2023, Val-Chris Investments Inc. of Irvine, CA reported 1,072 mortgage applications totaling $289.5 million, up 36% from 2022. The average application was for $270,065, and applicants reported an average income of $289,196. 93% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (274), Riverside-San Bernardino-Ontario, CA (164) and Anaheim-Santa Ana-Irvine, CA (123) (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 | 1,072 |
| Total Mortgage Loan Application Amount | $289,510,000 |
| Average Mortgage Loan Application Amount | $270,065 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $289,196 |
| Highest Applicant Income | $9,102,000 |
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records Val-Chris Investments Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 274 | $ 77,070,000 | $ 281,277 | $ 350,000 |
| Orange, California | 123 | $ 50,195,000 | $ 408,089 | $ 352,000 |
| Riverside, California | 89 | $ 13,875,000 | $ 155,898 | $ 194,000 |
| San Bernardino, California | 75 | $ 13,905,000 | $ 185,400 | $ 234,000 |
| San Diego, California | 75 | $ 22,065,000 | $ 294,200 | $ 429,000 |
| Maricopa, Arizona | 38 | $ 4,610,000 | $ 121,315 | $ 203,000 |
| Santa Clara, California | 31 | $ 12,725,000 | $ 410,483 | $ 437,000 |
| Contra Costa, California | 23 | $ 6,125,000 | $ 266,304 | $ 193,000 |
| Ventura, California | 20 | $ 6,080,000 | $ 304,000 | $ 276,000 |
| Stanislaus, California | 18 | $ 2,130,000 | $ 118,333 | $ 202,000 |
| Alameda, California | 16 | $ 2,950,000 | $ 184,375 | $ 187,000 |
| Sacramento, California | 16 | $ 2,390,000 | $ 149,375 | $ 206,000 |
| San Joaquin, California | 14 | $ 2,940,000 | $ 210,000 | $ 202,000 |
| San Francisco, California | 11 | $ 10,245,000 | $ 931,363 | $ 463,000 |
| San Mateo, California | 10 | $ 4,980,000 | $ 498,000 | $ 401,000 |
| Fresno, California | 9 | $ 1,685,000 | $ 187,222 | $ 174,000 |
| Solano, California | 8 | $ 780,000 | $ 97,500 | $ 116,000 |
| Sonoma, California | 8 | $ 1,580,000 | $ 197,500 | $ 209,000 |
| Miami-Dade, Florida | 8 | $ 1,640,000 | $ 205,000 | $ 270,000 |
| Merced, California | 7 | $ 1,615,000 | $ 230,714 | $ 207,000 |
| Santa Barbara, California | 7 | $ 6,595,000 | $ 942,142 | $ 257,000 |
| Kern, California | 6 | $ 590,000 | $ 98,333 | $ 81,000 |
| Marin, California | 6 | $ 1,880,000 | $ 313,333 | $ 272,000 |
| Tulare, California | 6 | $ 670,000 | $ 111,666 | $ 94,000 |
| Lee, Florida | 6 | $ 1,310,000 | $ 218,333 | $ 146,000 |
| Pinal, Arizona | 5 | $ 485,000 | $ 97,000 | $ 113,000 |
| El Dorado, California | 5 | $ 365,000 | $ 73,000 | $ 139,000 |
| Placer, California | 5 | $ 685,000 | $ 137,000 | $ 164,000 |
| Madera, California | 4 | $ 890,000 | $ 222,500 | $ 167,000 |
| Monterey, California | 4 | $ 2,160,000 | $ 540,000 | $ 230,000 |
| San Luis Obispo, California | 4 | $ 1,210,000 | $ 302,500 | $ 540,000 |
| Yolo, California | 4 | $ 320,000 | $ 80,000 | $ 219,000 |
| Dallas, Texas | 4 | $ 760,000 | $ 190,000 | $ 217,000 |
| Harris, Texas | 4 | $ 860,000 | $ 215,000 | $ 132,000 |
| King, Washington | 4 | $ 1,320,000 | $ 330,000 | $ 628,000 |
| Mohave, Arizona | 3 | $ 415,000 | $ 138,333 | $ 122,000 |
| Pima, Arizona | 3 | $ 325,000 | $ 108,333 | $ 136,000 |
| Yavapai, Arizona | 3 | $ 305,000 | $ 101,666 | $ 107,000 |
| Imperial, California | 3 | $ 695,000 | $ 231,666 | $ 199,000 |
| Kings, California | 3 | $ 495,000 | $ 165,000 | $ 103,000 |
| Santa Cruz, California | 3 | $ 505,000 | $ 168,333 | $ 408,000 |
| Shasta, California | 3 | $ 295,000 | $ 98,333 | $ 109,000 |
| Siskiyou, California | 3 | $ 375,000 | $ 125,000 | $ 64,000 |
| Yuba, California | 3 | $ 245,000 | $ 81,666 | $ 84,000 |
| Hillsborough, Florida | 3 | $ 575,000 | $ 191,666 | $ 163,000 |
| Palm Beach, Florida | 3 | $ 505,000 | $ 168,333 | $ 136,000 |
| Pinellas, Florida | 3 | $ 475,000 | $ 158,333 | $ 193,000 |
| Yuma, Arizona | 2 | $ 110,000 | $ 55,000 | $ 152,000 |
| Butte, California | 2 | $ 280,000 | $ 140,000 | $ 134,000 |
| Calaveras, California | 2 | $ 210,000 | $ 105,000 | $ 227,000 |
| Humboldt, California | 2 | $ 380,000 | $ 190,000 | $ 246,000 |
| Nevada, California | 2 | $ 260,000 | $ 130,000 | $ 124,000 |
| San Benito, California | 2 | $ 290,000 | $ 145,000 | $ 228,000 |
| Sutter, California | 2 | $ 710,000 | $ 355,000 | $ 308,000 |
| Broward, Florida | 2 | $ 280,000 | $ 140,000 | $ 322,000 |
| Clay, Florida | 2 | $ 1,070,000 | $ 535,000 | $ 390,000 |
| Escambia, Florida | 2 | $ 190,000 | $ 95,000 | $ 81,000 |
| Hernando, Florida | 2 | $ 250,000 | $ 125,000 | $ 84,000 |
| Manatee, Florida | 2 | $ 730,000 | $ 365,000 | $ 52,000 |
| Martin, Florida | 2 | $ 360,000 | $ 180,000 | $ 220,000 |
| Okaloosa, Florida | 2 | $ 1,160,000 | $ 580,000 | $ 400,000 |
| Orange, Florida | 2 | $ 540,000 | $ 270,000 | $ 225,000 |
| Walton, Florida | 2 | $ 250,000 | $ 125,000 | $ 186,000 |
| Honolulu, Hawaii | 2 | $ 2,440,000 | $ 1,220,000 | $ 823,000 |
| Polk, Texas | 2 | $ 190,000 | $ 95,000 | $ 270,000 |
| Coconino, Arizona | 1 | $ 75,000 | $ 75,000 | $ 324,000 |
| Amador, California | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Glenn, California | 1 | $ 155,000 | $ 155,000 | $ 180,000 |
| Lake, California | 1 | $ 205,000 | $ 205,000 | $ 180,000 |
| Mendocino, California | 1 | $ 315,000 | $ 315,000 | $ 107,000 |
| Napa, California | 1 | $ 315,000 | $ 315,000 | $ 423,000 |
| Trinity, California | 1 | $ 225,000 | $ 225,000 | $ 126,000 |
| Tuolumne, California | 1 | $ 85,000 | $ 85,000 | $ 189,000 |
| Dolores, Colorado | 1 | $ 205,000 | $ 205,000 | $ 191,000 |
| Bay, Florida | 1 | $ 125,000 | $ 125,000 | $ 149,000 |
| Brevard, Florida | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
| Collier, Florida | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Flagler, Florida | 1 | $ 115,000 | $ 115,000 | $ 282,000 |
| Indian River, Florida | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Lake, Florida | 1 | $ 255,000 | $ 255,000 | $ 44,000 |
| Leon, Florida | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Levy, Florida | 1 | $ 115,000 | $ 115,000 | $ 281,000 |
| Marion, Florida | 1 | $ 255,000 | $ 255,000 | $ 132,000 |
| Osceola, Florida | 1 | $ 105,000 | $ 105,000 | $ 92,000 |
| Polk, Florida | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Sarasota, Florida | 1 | $ 75,000 | $ 75,000 | $ 124,000 |
| Seminole, Florida | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| St. Lucie, Florida | 1 | $ 205,000 | $ 205,000 | $ 216,000 |
| Volusia, Florida | 1 | $ 165,000 | $ 165,000 | $ 125,000 |
| Maui, Hawaii | 1 | $ 305,000 | $ 305,000 | $ 414,000 |
| Bexar, Texas | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Denton, Texas | 1 | $ 785,000 | $ 785,000 | $ 660,000 |
| Fort Bend, Texas | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Galveston, Texas | 1 | $ 545,000 | $ 545,000 | $ 540,000 |
| Hidalgo, Texas | 1 | $ 405,000 | $ 405,000 | $ 198,000 |
| Hood, Texas | 1 | $ 65,000 | $ 65,000 | $ 540,000 |
| Johnson, Texas | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Tarrant, Texas | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Travis, Texas | 1 | $ 265,000 | $ 265,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Val-Chris Investments Inc. in 2023
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 | 787 | $207,825,000 | $264,000 | $4,505,000 | $284,000 | $9,102,000 |
| Refinancing | 239 | $62,235,000 | $260,000 | $2,435,000 | $305,000 | $8,102,000 |
| Home Purchase | 46 | $19,450,000 | $422,000 | $1,405,000 | $296,000 | $1,620,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 563 | $132,125,000 | $234,000 | $2,435,000 | $240,000 | $8,102,000 |
| White | 312 | $102,000,000 | $326,000 | $4,505,000 | $365,000 | $9,102,000 |
| Hispanic | 63 | $14,615,000 | $231,000 | $1,325,000 | $189,000 | $688,000 |
| Black or African American | 60 | $12,870,000 | $214,000 | $805,000 | $208,000 | $720,000 |
| Asian | 59 | $22,365,000 | $379,000 | $2,005,000 | $554,000 | $3,666,000 |
| Not applicable | 9 | $2,955,000 | $328,000 | $675,000 | $257,000 | $574,000 |
| American Indian or Alaskan Native | 3 | $1,925,000 | $641,000 | $1,085,000 | $174,000 | $282,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $655,000 | $218,000 | $435,000 | $348,000 | $744,000 |
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) | 1,072 | $289,510,000 | $270,000 | $4,505,000 | $290,000 | $9,102,000 |
| 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 | 992 | $263,310,000 | $265,000 | $4,505,000 | $286,000 | $9,102,000 |
| Application Withdrawn By Applicant | 77 | $25,725,000 | $334,000 | $3,505,000 | $342,000 | $2,640,000 |
| Application Approved But Not Accepted | 3 | $475,000 | $158,000 | $335,000 | $131,000 | $143,000 |
| 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 | 1,072 | $289,510,000 | $270,000 | $4,505,000 | $290,000 | $9,102,000 |
| 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 2023 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.
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with aggregated HMDA statistics today.
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