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records Val-Chris Investments Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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.
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