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records Val-Chris Investments Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 274 | $ 77,070,000 | $ 281,277 | $ 350,000 |
| Riverside-San Bernardino-Ontario, CA | 164 | $ 27,780,000 | $ 169,390 | $ 213,000 |
| Anaheim-Santa Ana-Irvine, CA | 123 | $ 50,195,000 | $ 408,089 | $ 352,000 |
| San Diego-Carlsbad, CA | 75 | $ 22,065,000 | $ 294,200 | $ 429,000 |
| Phoenix-Mesa-Scottsdale, AZ | 43 | $ 5,095,000 | $ 118,488 | $ 193,000 |
| Oakland-Hayward-Berkeley, CA | 39 | $ 9,075,000 | $ 232,692 | $ 191,000 |
| Outside any metro area | 38 | $ 11,140,000 | $ 293,157 | $ 281,157 |
| San Jose-Sunnyvale-Santa Clara, CA | 33 | $ 13,015,000 | $ 394,393 | $ 424,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 30 | $ 3,760,000 | $ 125,333 | $ 189,000 |
| San Francisco-Redwood City-South San Francisco, CA | 21 | $ 15,225,000 | $ 725,000 | $ 435,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 20 | $ 6,080,000 | $ 304,000 | $ 276,000 |
| Modesto, CA | 18 | $ 2,130,000 | $ 118,333 | $ 202,000 |
| Stockton-Lodi, CA | 14 | $ 2,940,000 | $ 210,000 | $ 202,000 |
| Fresno, CA | 9 | $ 1,685,000 | $ 187,222 | $ 174,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 1,640,000 | $ 205,000 | $ 270,000 |
| Santa Rosa, CA | 8 | $ 1,580,000 | $ 197,500 | $ 209,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,300,000 | $ 162,500 | $ 153,000 |
| Vallejo-Fairfield, CA | 8 | $ 780,000 | $ 97,500 | $ 116,000 |
| Merced, CA | 7 | $ 1,615,000 | $ 230,714 | $ 207,000 |
| Santa Maria-Santa Barbara, CA | 7 | $ 6,595,000 | $ 942,142 | $ 257,000 |
| Bakersfield, CA | 6 | $ 590,000 | $ 98,333 | $ 81,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,310,000 | $ 218,333 | $ 146,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 1,500,000 | $ 250,000 | $ 197,000 |
| San Rafael, CA | 6 | $ 1,880,000 | $ 313,333 | $ 272,000 |
| Visalia-Porterville, CA | 6 | $ 670,000 | $ 111,666 | $ 94,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,545,000 | $ 309,000 | $ 306,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,055,000 | $ 211,000 | $ 129,000 |
| Yuba City, CA | 5 | $ 955,000 | $ 191,000 | $ 173,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,410,000 | $ 352,500 | $ 293,000 |
| Madera, CA | 4 | $ 890,000 | $ 222,500 | $ 167,000 |
| Salinas, CA | 4 | $ 2,160,000 | $ 540,000 | $ 230,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 1,210,000 | $ 302,500 | $ 540,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,320,000 | $ 330,000 | $ 628,000 |
| El Centro, CA | 3 | $ 695,000 | $ 231,666 | $ 199,000 |
| Hanford-Corcoran, CA | 3 | $ 495,000 | $ 165,000 | $ 103,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 415,000 | $ 138,333 | $ 122,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 805,000 | $ 268,333 | $ 76,000 |
| Port St. Lucie, FL | 3 | $ 565,000 | $ 188,333 | $ 218,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 305,000 | $ 101,666 | $ 107,000 |
| Redding, CA | 3 | $ 295,000 | $ 98,333 | $ 109,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 505,000 | $ 168,333 | $ 408,000 |
| Tucson, AZ | 3 | $ 325,000 | $ 108,333 | $ 136,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 505,000 | $ 168,333 | $ 136,000 |
| Chico, CA | 2 | $ 280,000 | $ 140,000 | $ 134,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 280,000 | $ 140,000 | $ 203,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 280,000 | $ 140,000 | $ 322,000 |
| Fort Worth-Arlington, TX | 2 | $ 220,000 | $ 110,000 | $ 38,000 |
| Jacksonville, FL | 2 | $ 1,070,000 | $ 535,000 | $ 390,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 190,000 | $ 95,000 | $ 81,000 |
| Urban Honolulu, HI | 2 | $ 2,440,000 | $ 1,220,000 | $ 823,000 |
| Yuma, AZ | 2 | $ 110,000 | $ 55,000 | $ 152,000 |
| Austin-Round Rock, TX | 1 | $ 265,000 | $ 265,000 | $ 144,000 |
| Flagstaff, AZ | 1 | $ 75,000 | $ 75,000 | $ 324,000 |
| Gainesville, FL | 1 | $ 115,000 | $ 115,000 | $ 281,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 305,000 | $ 305,000 | $ 414,000 |
| Lakeland-Winter Haven, FL | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 405,000 | $ 405,000 | $ 198,000 |
| Napa, CA | 1 | $ 315,000 | $ 315,000 | $ 423,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Ocala, FL | 1 | $ 255,000 | $ 255,000 | $ 132,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
| Panama City, FL | 1 | $ 125,000 | $ 125,000 | $ 149,000 |
| San Antonio-New Braunfels, TX | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Sebastian-Vero Beach, FL | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Tallahassee, FL | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
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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