Val-Chris Investments in Texas vs the state
0.0%Denial rate-19.43 pts vs state
0.0%Decision denial rate-24.90 pts vs state
94.4%Origination rate+39.56 pts vs state
12.00%Median rate+5.50 pts vs state
—Rate spread (pts)
$128kMedian applicant income
17Loans originated
0Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 17 | 0.0% | 11.50% | #894 |
| 2024 | 12 | 10 | 0.0% | 11.75% | #940 |
| 2025 | 18 | 17 | 0.0% | 12.00% | #876 |
What Val-Chris Investments lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Val-Chris Investments applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 3 | 3 | 0 | 0.0% |
| Tarrant County | 2 | 2 | 0 | 0.0% |
| Bexar County | 2 | 2 | 0 | 0.0% |
| El Paso County | 1 | 1 | 0 | 0.0% |
| Travis County | 1 | 0 | 0 | 0.0% |
| Williamson County | 1 | 1 | 0 | 0.0% |
| Hidalgo County | 1 | 1 | 0 | 0.0% |
| Harris County | 1 | 1 | 0 | 0.0% |
| Cameron County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 18 applications in 2025, of which 17 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Val-Chris Investments originated in Texas in 2025 was 12.00%, against a statewide median of 6.50%.
About this data. Figures are Val-Chris Investments's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology