Applications / Mortgage Analytics / Lenders / California / Val-Chris Investments
Irvine, CA · Non-bank or government lender · CFPB · 766 loans in 2025
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766
loans originated, 2025
801
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Val-Chris Investments is a California non-bank lender that does almost nothing but refinance, and most of its loans go to majority-minority neighborhoods.
Refinances made up 98.8% of its 766 loans in 2025; purchases were 0.8%. All its loans were conventional, with no government-backed lending, and manufactured homes were rare. Its typical loan, $185,000, was about half the $365,000 of similar lenders (non-bank lenders making between half and twice as many loans), smaller than at about nine in ten of them.
Its loans fell 16% in 2025, while similar lenders grew 11%. They peaked at 992 in 2023. Even after the fall it made more loans than in any year before 2023, so the drop may be a return toward its usual volume. It has reported since 2018.
Majority-minority neighborhoods took 55.2% of its loans, against 36.1% at the typical peer, more than at nearly all of them. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts) was 22.0%, near the middle. Its share to LMI borrowers was 11.8%, against 36.4%, lower than at about four in five peers. Refinance borrowers already own their homes, which may tilt it toward higher earners.
It ranks 154 of 757 lenders in Los Angeles-Long Beach-Anaheim and 169 of 639 in San Diego. Its loans now reach 63 metros in nine states. In 2025 it made its first loans in Reno, Bremerton-Silverdale-Port Orchard and non-metro Hawaii.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Val-Chris Investments took 801 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 98.8% · Purchase 0.8% · Not applicable 0.3% · Other 0.1%
Conventional 100.0% · of 766 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 621 | 81.1% |
| Arizona | 44 | 5.7% |
| Florida | 36 | 4.7% |
| Hawaii | 14 | 1.8% |
| Texas | 13 | 1.7% |
| Nevada | 8 | 1.0% |
| Colorado | 3 | 0.4% |
| Washington | 3 | 0.4% |
| Oklahoma | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 168 |
| Riverside-San Bernardino-Ontario | 106 |
| Anaheim-Santa Ana-Irvine | 105 |
| San Diego-Chula Vista-Carlsbad | 61 |
| Phoenix-Mesa-Chandler | 28 |
| Oakland-Fremont-Berkeley | 25 |
| Sacramento-Roseville-Folsom | 24 |
| San Francisco-San Mateo-Redwood City | 16 |
| San Jose-Sunnyvale-Santa Clara | 14 |
| Fresno | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KP95LHU8OP0H40 | 2018–2025 |
Established 4 October 1976. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Val-Chris Investments's data.
Val-Chris Investments's data
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Val-Chris Investments and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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