Val-Chris Investments, Inc. mortgage approval rate & lending review
Val-Chris Investments, Inc. decided 2,578 mortgage applications and funded 2,557 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Val-Chris Investments, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Val-Chris Investments, Inc. at a glance
Approval is 28.4 points above the 71.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Cash-out refinance | 100% | 1,451 / 1,451 | 99% | $165K | 1,433 |
| Refinance | 100% | 432 / 432 | 100% | $145K | 431 |
| Investment property purchase | 100% | 54 / 54 | 100% | $355K | 54 |
| Investment cash-out refinance | 100% | 441 / 441 | 100% | $275K | 439 |
| Investment refinance | 100% | 186 / 186 | 100% | $195K | 186 |
Val-Chris Investments, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 100% | $165K | 2,234 | 2,216 |
| Arizona | 100% | $105K | 130 | 129 |
| Florida | 100% | $165K | 127 | 127 |
| Texas | 100% | $125K | 36 | 36 |
| Hawaii | 100% | $135K | 27 | 27 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Val-Chris Investments, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Cash-out refinance | 100% | 346 | 341 |
| Orange County, CA | Cash-out refinance | 100% | 197 | 196 |
| Los Angeles County, CA | Investment cash-out refinance | 100% | 130 | 129 |
| San Diego County, CA | Cash-out refinance | 100% | 121 | 119 |
| Riverside County, CA | Cash-out refinance | 100% | 119 | 117 |
| San Bernardino County, CA | Cash-out refinance | 100% | 102 | 101 |
| Los Angeles County, CA | Investment refinance | 100% | 56 | 56 |
| Orange County, CA | Refinance | 100% | 56 | 56 |
| Orange County, CA | Investment cash-out refinance | 100% | 53 | 53 |
| Riverside County, CA | Investment cash-out refinance | 100% | 46 | 46 |
| Riverside County, CA | Refinance | 100% | 45 | 45 |
| Santa Clara County, CA | Cash-out refinance | 100% | 44 | 44 |
The county markets where Val-Chris Investments, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Val-Chris Investments, Inc.
What is Val-Chris Investments, Inc.'s mortgage approval rate?
Val-Chris Investments, Inc. approved 100.0% of the 2,578 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 28.4 points above the 71.6% national rate for the same mix of loan types.
How often do borrowers take the loan Val-Chris Investments, Inc. offers?
Borrowers accepted 99% of the loans Val-Chris Investments, Inc. approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Val-Chris Investments, Inc. make?
The typical cash-out refinance loan Val-Chris Investments, Inc. made was $165K; across all loan types its typical loan ran from $145K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Val-Chris Investments, Inc. lend?
Val-Chris Investments, Inc. decided applications in 9 of the states Fat Boy Data covers, most of them in California, Arizona and Florida.
Can I apply to Val-Chris Investments, Inc. directly?
Yes. Val-Chris Investments, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Val-Chris Investments, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Val-Chris Investments, Inc. treats applications, then get a rate quote from the lender.