Val-Chris Investments Inc. Mortgage Lending & HMDA Data, 2024
In 2024, Val-Chris Investments Inc. of Irvine, CA reported 998 mortgage applications totaling $253.7 million, down 7% from 2023. The average application was for $254,158, and applicants reported an average income of $296,131. 92% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (255), Riverside-San Bernardino-Ontario, CA (177) and Anaheim-Santa Ana-Irvine, CA (114) (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 | 998 |
| Total Mortgage Loan Application Amount | $253,650,000 |
| Average Mortgage Loan Application Amount | $254,158 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $296,131 |
| Highest Applicant Income | $6,182,000 |
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records Val-Chris Investments Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 255 | $ 69,035,000 | $ 270,725 | $ 324,000 |
| Orange, California | 114 | $ 40,400,000 | $ 354,385 | $ 353,000 |
| Riverside, California | 102 | $ 21,570,000 | $ 211,470 | $ 249,000 |
| San Bernardino, California | 75 | $ 14,725,000 | $ 196,333 | $ 218,000 |
| San Diego, California | 71 | $ 20,635,000 | $ 290,633 | $ 417,000 |
| Santa Clara, California | 27 | $ 9,685,000 | $ 358,703 | $ 261,000 |
| Alameda, California | 26 | $ 8,250,000 | $ 317,307 | $ 249,000 |
| Maricopa, Arizona | 25 | $ 3,035,000 | $ 121,400 | $ 158,000 |
| Contra Costa, California | 21 | $ 6,095,000 | $ 290,238 | $ 385,000 |
| Ventura, California | 16 | $ 4,580,000 | $ 286,250 | $ 201,000 |
| Kern, California | 14 | $ 1,200,000 | $ 85,714 | $ 115,000 |
| Sacramento, California | 12 | $ 2,180,000 | $ 181,666 | $ 202,000 |
| Santa Barbara, California | 12 | $ 6,030,000 | $ 502,500 | $ 361,000 |
| Stanislaus, California | 12 | $ 1,390,000 | $ 115,833 | $ 244,000 |
| San Joaquin, California | 11 | $ 1,935,000 | $ 175,909 | $ 115,000 |
| Santa Cruz, California | 10 | $ 2,370,000 | $ 237,000 | $ 465,000 |
| Fresno, California | 9 | $ 1,285,000 | $ 142,777 | $ 133,000 |
| Miami-Dade, Florida | 9 | $ 3,125,000 | $ 347,222 | $ 240,000 |
| Honolulu, Hawaii | 9 | $ 2,165,000 | $ 240,555 | $ 267,000 |
| San Mateo, California | 7 | $ 1,825,000 | $ 260,714 | $ 788,000 |
| Marin, California | 6 | $ 1,630,000 | $ 271,666 | $ 278,000 |
| Pima, Arizona | 5 | $ 585,000 | $ 117,000 | $ 147,000 |
| Monterey, California | 5 | $ 1,215,000 | $ 243,000 | $ 1,036,000 |
| Placer, California | 5 | $ 1,995,000 | $ 399,000 | $ 532,000 |
| San Luis Obispo, California | 5 | $ 1,035,000 | $ 207,000 | $ 208,000 |
| Solano, California | 5 | $ 825,000 | $ 165,000 | $ 127,000 |
| Broward, Florida | 5 | $ 1,135,000 | $ 227,000 | $ 179,000 |
| Hillsborough, Florida | 5 | $ 875,000 | $ 175,000 | $ 147,000 |
| El Dorado, California | 4 | $ 640,000 | $ 160,000 | $ 308,000 |
| San Francisco, California | 4 | $ 2,020,000 | $ 505,000 | $ 1,059,000 |
| Tulare, California | 4 | $ 450,000 | $ 112,500 | $ 175,000 |
| Mohave, Arizona | 3 | $ 285,000 | $ 95,000 | $ 86,000 |
| Butte, California | 3 | $ 305,000 | $ 101,666 | $ 122,000 |
| Imperial, California | 3 | $ 185,000 | $ 61,666 | $ 95,000 |
| Merced, California | 3 | $ 225,000 | $ 75,000 | $ 156,000 |
| Nevada, California | 3 | $ 365,000 | $ 121,666 | $ 112,000 |
| Sonoma, California | 3 | $ 515,000 | $ 171,666 | $ 280,000 |
| Lee, Florida | 3 | $ 505,000 | $ 168,333 | $ 140,000 |
| Volusia, Florida | 3 | $ 425,000 | $ 141,666 | $ 97,000 |
| Maui, Hawaii | 3 | $ 635,000 | $ 211,666 | $ 139,000 |
| Coconino, Arizona | 2 | $ 350,000 | $ 175,000 | $ 365,000 |
| Yavapai, Arizona | 2 | $ 140,000 | $ 70,000 | $ 118,000 |
| Kings, California | 2 | $ 380,000 | $ 190,000 | $ 150,000 |
| Lake, California | 2 | $ 460,000 | $ 230,000 | $ 137,000 |
| Tuolumne, California | 2 | $ 230,000 | $ 115,000 | $ 96,000 |
| Bay, Florida | 2 | $ 630,000 | $ 315,000 | $ 227,000 |
| Clay, Florida | 2 | $ 370,000 | $ 185,000 | $ 141,000 |
| Duval, Florida | 2 | $ 180,000 | $ 90,000 | $ 95,000 |
| Marion, Florida | 2 | $ 240,000 | $ 120,000 | $ 90,000 |
| Orange, Florida | 2 | $ 350,000 | $ 175,000 | $ 405,000 |
| St. Lucie, Florida | 2 | $ 180,000 | $ 90,000 | $ 230,000 |
| El Paso, Texas | 2 | $ 250,000 | $ 125,000 | $ 64,000 |
| Galveston, Texas | 2 | $ 590,000 | $ 295,000 | $ 115,000 |
| Travis, Texas | 2 | $ 410,000 | $ 205,000 | $ 177,000 |
| Pierce, Washington | 2 | $ 560,000 | $ 280,000 | $ 215,000 |
| Pinal, Arizona | 1 | $ 255,000 | $ 255,000 | $ 181,000 |
| Santa Cruz, Arizona | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Yuma, Arizona | 1 | $ 115,000 | $ 115,000 | $ 305,000 |
| Calaveras, California | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Humboldt, California | 1 | $ 135,000 | $ 135,000 | $ 240,000 |
| Madera, California | 1 | $ 55,000 | $ 55,000 | $ 148,000 |
| Mono, California | 1 | $ 195,000 | $ 195,000 | $ 489,000 |
| Napa, California | 1 | $ 165,000 | $ 165,000 | $ 180,000 |
| San Benito, California | 1 | $ 75,000 | $ 75,000 | $ 9,000 |
| Shasta, California | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| Siskiyou, California | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Sutter, California | 1 | $ 305,000 | $ 305,000 | $ 660,000 |
| Yolo, California | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Yuba, California | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| El Paso, Colorado | 1 | $ 395,000 | $ 395,000 | $ 122,000 |
| Charlotte, Florida | 1 | $ 155,000 | $ 155,000 | $ 144,000 |
| Collier, Florida | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Lake, Florida | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Palm Beach, Florida | 1 | $ 365,000 | $ 365,000 | $ 330,000 |
| Pasco, Florida | 1 | $ 355,000 | $ 355,000 | $ 115,000 |
| Pinellas, Florida | 1 | $ 155,000 | $ 155,000 | $ 227,000 |
| Polk, Florida | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Sarasota, Florida | 1 | $ 195,000 | $ 195,000 | $ 41,000 |
| Seminole, Florida | 1 | $ 245,000 | $ 245,000 | $ 307,000 |
| St. Johns, Florida | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Clark, Nevada | 1 | $ 385,000 | $ 385,000 | $ 137,000 |
| Oklahoma, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 118,000 |
| Bell, Texas | 1 | $ 75,000 | $ 75,000 | $ 18,000 |
| Bexar, Texas | 1 | $ 105,000 | $ 105,000 | $ 147,000 |
| Dallas, Texas | 1 | $ 95,000 | $ 95,000 | $ 147,000 |
| Harris, Texas | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Nueces, Texas | 1 | $ 95,000 | $ 95,000 | $ 76,000 |
| Potter, Texas | 1 | $ 155,000 | $ 155,000 | $ 300,000 |
| Chelan, Washington | 1 | $ 165,000 | $ 165,000 | $ 253,000 |
| King, Washington | 1 | $ 375,000 | $ 375,000 | $ 440,000 |
Mortgage Loan Application Detail Totals for Val-Chris Investments Inc. in 2024
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 | 553 | $144,015,000 | $260,000 | $2,505,000 | $288,000 | $5,536,000 |
| Refinancing | 413 | $94,275,000 | $228,000 | $1,905,000 | $301,000 | $6,182,000 |
| Home Purchase | 28 | $14,570,000 | $520,000 | $2,165,000 | $405,000 | $3,480,000 |
| Other Purpose | 3 | $385,000 | $128,000 | $155,000 | $151,000 | $221,000 |
| Home Improvement | 1 | $405,000 | $405,000 | $405,000 | $169,000 | $169,000 |
| Not Applicable | 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 | 421 | $94,435,000 | $224,000 | $2,005,000 | $313,000 | $6,182,000 |
| White | 265 | $80,785,000 | $304,000 | $2,305,000 | $307,000 | $3,240,000 |
| Hispanic | 183 | $30,805,000 | $168,000 | $1,905,000 | $197,000 | $2,424,000 |
| Asian | 64 | $30,950,000 | $483,000 | $2,505,000 | $446,000 | $3,300,000 |
| Black or African American | 61 | $15,285,000 | $250,000 | $885,000 | $270,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $130,000 | $65,000 | $85,000 | $165,000 | $240,000 |
| Not applicable | 2 | $1,260,000 | $630,000 | $1,105,000 | $455,000 | $660,000 |
| American Indian or Alaskan Native | 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) | 998 | $253,650,000 | $254,000 | $2,505,000 | $296,000 | $6,182,000 |
| 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 | 917 | $231,645,000 | $252,000 | $2,505,000 | $291,000 | $6,182,000 |
| Application Withdrawn By Applicant | 79 | $21,245,000 | $268,000 | $1,625,000 | $359,000 | $5,536,000 |
| File Closed For Incompleteness | 1 | $575,000 | $575,000 | $575,000 | $420,000 | $420,000 |
| Application Approved But Not Accepted | 1 | $185,000 | $185,000 | $185,000 | $96,000 | $96,000 |
| Application Denied By Financial Institution | 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 | 998 | $253,650,000 | $254,000 | $2,505,000 | $296,000 | $6,182,000 |
| 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 2024 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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