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records Val-Chris Investments Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 176 | $ 66,540,000 | $ 378,068 | $ 386,000 |
| Riverside-San Bernardino-Ontario, CA | 111 | $ 21,885,000 | $ 197,162 | $ 309,000 |
| Anaheim-Santa Ana-Irvine, CA | 106 | $ 52,830,000 | $ 498,396 | $ 584,000 |
| San Diego-Carlsbad, CA | 65 | $ 26,225,000 | $ 403,461 | $ 388,000 |
| Outside any metro area | 42 | $ 15,670,000 | $ 373,095 | $ 550,928 |
| Phoenix-Mesa-Scottsdale, AZ | 29 | $ 6,265,000 | $ 216,034 | $ 233,000 |
| Oakland-Hayward-Berkeley, CA | 27 | $ 9,305,000 | $ 344,629 | $ 266,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 25 | $ 5,445,000 | $ 217,800 | $ 269,000 |
| San Francisco-Redwood City-South San Francisco, CA | 17 | $ 7,135,000 | $ 419,705 | $ 960,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 14 | $ 4,660,000 | $ 332,857 | $ 269,000 |
| Fresno, CA | 11 | $ 1,405,000 | $ 127,727 | $ 124,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 5,540,000 | $ 554,000 | $ 779,000 |
| Stockton-Lodi, CA | 10 | $ 1,370,000 | $ 137,000 | $ 124,000 |
| Bakersfield, CA | 9 | $ 2,095,000 | $ 232,777 | $ 338,000 |
| Salinas, CA | 9 | $ 1,445,000 | $ 160,555 | $ 175,000 |
| Santa Maria-Santa Barbara, CA | 9 | $ 2,895,000 | $ 321,666 | $ 292,000 |
| Las Vegas-Henderson-Paradise, NV | 8 | $ 1,520,000 | $ 190,000 | $ 215,000 |
| Urban Honolulu, HI | 8 | $ 1,940,000 | $ 242,500 | $ 178,000 |
| Visalia-Porterville, CA | 8 | $ 3,910,000 | $ 488,750 | $ 216,000 |
| Modesto, CA | 7 | $ 725,000 | $ 103,571 | $ 128,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,070,000 | $ 178,333 | $ 161,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 1,840,000 | $ 306,666 | $ 266,000 |
| Yuba City, CA | 6 | $ 1,580,000 | $ 263,333 | $ 416,000 |
| Kahului-Wailuku-Lahaina, HI | 5 | $ 1,035,000 | $ 207,000 | $ 158,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 900,000 | $ 225,000 | $ 163,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 740,000 | $ 185,000 | $ 185,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,000,000 | $ 250,000 | $ 150,000 |
| Tucson, AZ | 4 | $ 690,000 | $ 172,500 | $ 171,000 |
| Dallas-Plano-Irving, TX | 3 | $ 325,000 | $ 108,333 | $ 183,000 |
| Redding, CA | 3 | $ 855,000 | $ 285,000 | $ 435,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 565,000 | $ 188,333 | $ 400,000 |
| San Rafael, CA | 3 | $ 1,295,000 | $ 431,666 | $ 50,000 |
| Austin-Round Rock, TX | 2 | $ 310,000 | $ 155,000 | $ 135,000 |
| Chico, CA | 2 | $ 180,000 | $ 90,000 | $ 140,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 860,000 | $ 430,000 | $ 202,000 |
| Fort Worth-Arlington, TX | 2 | $ 580,000 | $ 290,000 | $ 124,000 |
| Jacksonville, FL | 2 | $ 430,000 | $ 215,000 | $ 284,000 |
| Merced, CA | 2 | $ 180,000 | $ 90,000 | $ 225,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 280,000 | $ 140,000 | $ 99,000 |
| Port St. Lucie, FL | 2 | $ 1,160,000 | $ 580,000 | $ 413,000 |
| Punta Gorda, FL | 2 | $ 640,000 | $ 320,000 | $ 656,000 |
| Reno, NV | 2 | $ 530,000 | $ 265,000 | $ 1,080,000 |
| San Antonio-New Braunfels, TX | 2 | $ 380,000 | $ 190,000 | $ 117,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 340,000 | $ 170,000 | $ 182,000 |
| Santa Rosa, CA | 2 | $ 410,000 | $ 205,000 | $ 178,000 |
| Sebastian-Vero Beach, FL | 2 | $ 200,000 | $ 100,000 | $ 180,000 |
| Tampa, FL | 2 | $ 240,000 | $ 120,000 | $ 113,000 |
| Vallejo-Fairfield, CA | 2 | $ 460,000 | $ 230,000 | $ 186,000 |
| Yuma, AZ | 2 | $ 120,000 | $ 60,000 | $ 110,000 |
| Bremerton-Silverdale, WA | 1 | $ 375,000 | $ 375,000 | $ 223,000 |
| Brownsville-Harlingen, TX | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| Colorado Springs, CO | 1 | $ 565,000 | $ 565,000 | $ 300,000 |
| El Paso, TX | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| Greeley, CO | 1 | $ 195,000 | $ 195,000 | $ 780,000 |
| Hanford-Corcoran, CA | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 125,000 | $ 125,000 | $ 112,000 |
| Lakeland-Winter Haven, FL | 1 | $ 75,000 | $ 75,000 | $ 129,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Napa, CA | 1 | $ 255,000 | $ 255,000 | $ 444,000 |
| Ocala, FL | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Panama City, FL | 1 | $ 2,565,000 | $ 2,565,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 135,000 | $ 135,000 | $ 240,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 155,000 | $ 155,000 | $ 300,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 65,000 | $ 65,000 | $ 6,000 |
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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