Val-Chris Investments Inc. Mortgage Lending & HMDA Data, 2020
In 2020, Val-Chris Investments Inc. of Irvine, CA reported 505 mortgage applications totaling $207.7 million, down 19% from 2019. The average application was for $411,277, and applicants reported an average income of $319,265. 85% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (138), Riverside-San Bernardino-Ontario, CA (98) and Anaheim-Santa Ana-Irvine, CA (50) (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 | 505 |
| Total Mortgage Loan Application Amount | $207,695,000 |
| Average Mortgage Loan Application Amount | $411,277 |
| Highest Mortgage Loan Application Amount | $4,725,000 |
| Average Applicant Income | $319,265 |
| Highest Applicant Income | $4,320,000 |
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records Val-Chris Investments Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Val-Chris Investments Inc. in 2020
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 | 375 | $143,265,000 | $382,000 | $4,725,000 | $317,000 | $4,320,000 |
| Home Purchase | 124 | $62,780,000 | $506,000 | $2,745,000 | $336,000 | $1,800,000 |
| Refinancing | 6 | $1,650,000 | $275,000 | $555,000 | $115,000 | $185,000 |
| 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 | 163 | $74,985,000 | $460,000 | $4,725,000 | $332,000 | $4,320,000 |
| White | 158 | $73,330,000 | $464,000 | $3,605,000 | $399,000 | $4,239,000 |
| Hispanic | 79 | $19,765,000 | $250,000 | $2,255,000 | $200,000 | $1,757,000 |
| Black or African American | 43 | $12,585,000 | $292,000 | $1,155,000 | $187,000 | $684,000 |
| Asian | 41 | $15,795,000 | $385,000 | $1,595,000 | $326,000 | $2,100,000 |
| Not applicable | 17 | $9,435,000 | $555,000 | $1,455,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,165,000 | $388,000 | $585,000 | $225,000 | $324,000 |
| American Indian or Alaskan Native | 1 | $635,000 | $635,000 | $635,000 | $206,000 | $206,000 |
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) | 505 | $207,695,000 | $411,000 | $4,725,000 | $319,000 | $4,320,000 |
| 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 | 430 | $167,050,000 | $388,000 | $4,725,000 | $268,000 | $4,320,000 |
| Application Withdrawn By Applicant | 75 | $40,645,000 | $541,000 | $2,335,000 | $696,000 | $4,239,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 505 | $207,695,000 | $411,000 | $4,725,000 | $319,000 | $4,320,000 |
| 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 2020 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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