Val-Chris Investments Inc. Mortgage Lending & HMDA Data, 2021
In 2021, Val-Chris Investments Inc. of Irvine, CA reported 487 mortgage applications totaling $219.3 million, down 4% from 2020. The average application was for $450,359, and applicants reported an average income of $268,977. 91% of its applications resulted in an originated loan and 0% were denied.
| 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 | 487 |
| Total Mortgage Loan Application Amount | $219,325,000 |
| Average Mortgage Loan Application Amount | $450,359 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $268,977 |
| Highest Applicant Income | $3,851,000 |
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records Val-Chris Investments Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 340 | $142,520,000 | $419,000 | $3,505,000 | $261,000 | $3,851,000 |
| Home Purchase | 140 | $68,980,000 | $492,000 | $2,505,000 | $288,000 | $1,883,000 |
| Refinancing | 7 | $7,825,000 | $1,117,000 | $4,505,000 | $276,000 | $600,000 |
| 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 | 147 | $77,835,000 | $529,000 | $4,505,000 | $315,000 | $1,883,000 |
| White | 143 | $61,315,000 | $428,000 | $3,505,000 | $267,000 | $3,851,000 |
| Hispanic | 82 | $23,780,000 | $290,000 | $1,765,000 | $143,000 | $504,000 |
| Black or African American | 59 | $30,305,000 | $513,000 | $2,605,000 | $239,000 | $1,980,000 |
| Asian | 54 | $25,020,000 | $463,000 | $1,925,000 | $366,000 | $2,160,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $545,000 | $545,000 | $545,000 | $936,000 | $936,000 |
| Not applicable | 1 | $525,000 | $525,000 | $525,000 | $0 | $0 |
| 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) | 487 | $219,325,000 | $450,000 | $4,505,000 | $269,000 | $3,851,000 |
| 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 | 445 | $187,485,000 | $421,000 | $3,505,000 | $265,000 | $3,851,000 |
| Application Withdrawn By Applicant | 41 | $29,235,000 | $713,000 | $4,505,000 | $311,000 | $1,260,000 |
| Application Denied By Financial Institution | 1 | $2,605,000 | $2,605,000 | $2,605,000 | $419,000 | $419,000 |
| Application Approved But Not Accepted | 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 | 486 | $216,720,000 | $445,000 | $4,505,000 | $269,000 | $3,851,000 |
| Collateral | 1 | $2,605,000 | $2,605,000 | $2,605,000 | $419,000 | $419,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Val-Chris Investments Inc.'s 2021 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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