Val-Chris Investments at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedProcesswithdrawn + incomplete share, weight 15%
88th2.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,072 | 992 | 0.0% | 0.0% | 12.99% | $263M |
| 2024 | 998 | 917 | 0.0% | 0.0% | 13.25% | $232M |
| 2025 | 801 | 766 | 0.0% | 0.0% | 12.99% | $252M |
What Val-Chris Investments lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 8 home-equity lines, 1 reverse mortgages, 6 manufactured homes, 134 investment properties.
Who gets approved at Val-Chris Investments
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 22 | 21 | 0.0% |
| $50k – $100k | 96 | 93 | 0.0% |
| $100k – $150k | 149 | 144 | 0.0% |
| $150k – $250k | 226 | 216 | 0.0% |
| Over $250k | 302 | 286 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 92 | 88 | 0.0% |
| 45–54 | 215 | 203 | 0.0% |
| 55–64 | 265 | 256 | 0.0% |
| 65–74 | 152 | 145 | 0.0% |
| Over 74 | 63 | 61 | 0.0% |
Where Val-Chris Investments lends
9 states and 95 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Val-Chris Investments denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Val-Chris Investments originated in 2025 was 12.99%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 1% of its applications were for home purchases, 99% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.