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records Val-Chris Investments Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 255 | $ 69,035,000 | $ 270,725 | $ 324,000 |
| Riverside-San Bernardino-Ontario, CA | 177 | $ 36,295,000 | $ 205,056 | $ 236,000 |
| Anaheim-Santa Ana-Irvine, CA | 114 | $ 40,400,000 | $ 354,385 | $ 353,000 |
| San Diego-Carlsbad, CA | 71 | $ 20,635,000 | $ 290,633 | $ 417,000 |
| Oakland-Hayward-Berkeley, CA | 47 | $ 14,345,000 | $ 305,212 | $ 309,000 |
| Outside any metro area | 28 | $ 6,630,000 | $ 236,785 | $ 403,857 |
| San Jose-Sunnyvale-Santa Clara, CA | 28 | $ 9,760,000 | $ 348,571 | $ 251,000 |
| Phoenix-Mesa-Scottsdale, AZ | 26 | $ 3,290,000 | $ 126,538 | $ 159,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 22 | $ 4,870,000 | $ 221,363 | $ 292,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 16 | $ 4,580,000 | $ 286,250 | $ 201,000 |
| Bakersfield, CA | 14 | $ 1,200,000 | $ 85,714 | $ 115,000 |
| Modesto, CA | 12 | $ 1,390,000 | $ 115,833 | $ 244,000 |
| Santa Maria-Santa Barbara, CA | 12 | $ 6,030,000 | $ 502,500 | $ 361,000 |
| San Francisco-Redwood City-South San Francisco, CA | 11 | $ 3,845,000 | $ 349,545 | $ 887,000 |
| Stockton-Lodi, CA | 11 | $ 1,935,000 | $ 175,909 | $ 115,000 |
| Fresno, CA | 10 | $ 1,340,000 | $ 134,000 | $ 134,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 2,370,000 | $ 237,000 | $ 465,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 3,125,000 | $ 347,222 | $ 240,000 |
| Urban Honolulu, HI | 9 | $ 2,165,000 | $ 240,555 | $ 267,000 |
| San Rafael, CA | 6 | $ 1,630,000 | $ 271,666 | $ 278,000 |
| Tampa, FL | 6 | $ 1,230,000 | $ 205,000 | $ 142,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,135,000 | $ 227,000 | $ 179,000 |
| Jacksonville, FL | 5 | $ 755,000 | $ 151,000 | $ 104,000 |
| Salinas, CA | 5 | $ 1,215,000 | $ 243,000 | $ 1,036,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 5 | $ 1,035,000 | $ 207,000 | $ 208,000 |
| Tucson, AZ | 5 | $ 585,000 | $ 117,000 | $ 147,000 |
| Vallejo-Fairfield, CA | 5 | $ 825,000 | $ 165,000 | $ 127,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 680,000 | $ 170,000 | $ 309,000 |
| Visalia-Porterville, CA | 4 | $ 450,000 | $ 112,500 | $ 175,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 505,000 | $ 168,333 | $ 140,000 |
| Chico, CA | 3 | $ 305,000 | $ 101,666 | $ 122,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 425,000 | $ 141,666 | $ 97,000 |
| El Centro, CA | 3 | $ 185,000 | $ 61,666 | $ 95,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 695,000 | $ 231,666 | $ 97,000 |
| Kahului-Wailuku-Lahaina, HI | 3 | $ 635,000 | $ 211,666 | $ 139,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 285,000 | $ 95,000 | $ 86,000 |
| Merced, CA | 3 | $ 225,000 | $ 75,000 | $ 156,000 |
| Santa Rosa, CA | 3 | $ 515,000 | $ 171,666 | $ 280,000 |
| Austin-Round Rock, TX | 2 | $ 410,000 | $ 205,000 | $ 177,000 |
| El Paso, TX | 2 | $ 250,000 | $ 125,000 | $ 64,000 |
| Flagstaff, AZ | 2 | $ 350,000 | $ 175,000 | $ 365,000 |
| Hanford-Corcoran, CA | 2 | $ 380,000 | $ 190,000 | $ 150,000 |
| Ocala, FL | 2 | $ 240,000 | $ 120,000 | $ 90,000 |
| Panama City, FL | 2 | $ 630,000 | $ 315,000 | $ 227,000 |
| Port St. Lucie, FL | 2 | $ 180,000 | $ 90,000 | $ 230,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 140,000 | $ 70,000 | $ 118,000 |
| Tacoma-Lakewood, WA | 2 | $ 560,000 | $ 280,000 | $ 215,000 |
| Yuba City, CA | 2 | $ 370,000 | $ 185,000 | $ 350,000 |
| Amarillo, TX | 1 | $ 155,000 | $ 155,000 | $ 300,000 |
| Colorado Springs, CO | 1 | $ 395,000 | $ 395,000 | $ 122,000 |
| Corpus Christi, TX | 1 | $ 95,000 | $ 95,000 | $ 76,000 |
| Dallas-Plano-Irving, TX | 1 | $ 95,000 | $ 95,000 | $ 147,000 |
| Killeen-Temple, TX | 1 | $ 75,000 | $ 75,000 | $ 18,000 |
| Lakeland-Winter Haven, FL | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 385,000 | $ 385,000 | $ 137,000 |
| Napa, CA | 1 | $ 165,000 | $ 165,000 | $ 180,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 195,000 | $ 195,000 | $ 41,000 |
| Oklahoma City, OK | 1 | $ 95,000 | $ 95,000 | $ 118,000 |
| Punta Gorda, FL | 1 | $ 155,000 | $ 155,000 | $ 144,000 |
| Redding, CA | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| San Antonio-New Braunfels, TX | 1 | $ 105,000 | $ 105,000 | $ 147,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 375,000 | $ 375,000 | $ 440,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 155,000 | $ 155,000 | $ 227,000 |
| Wenatchee, WA | 1 | $ 165,000 | $ 165,000 | $ 253,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 365,000 | $ 365,000 | $ 330,000 |
| Yuma, AZ | 1 | $ 115,000 | $ 115,000 | $ 305,000 |
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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About