Koshman Enterprises Inc Mortgage Lending & HMDA Data, 2006
In 2006, Koshman Enterprises Inc of Encino, CA reported 659 mortgage applications totaling $200.6 million, up 92% from 2005. The average application was for $304,365, and applicants reported an average income of $103,945. 64% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (222), Las Vegas-Paradise, NV (81) and Riverside-San Bernardino-Ontario, CA (59) (applications in parentheses).
| Mortgage Company & Address | Koshman Enterprises Inc 17523 Ventura Blvd Encino, CA 91316 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 659 |
| Total Mortgage Loan Application Amount | $200,577,000 |
| Average Mortgage Loan Application Amount | $304,365 |
| Highest Mortgage Loan Application Amount | $1,495,000 |
| Average Applicant Income | $103,945 |
| Highest Applicant Income | $1,014,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Koshman Enterprises Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 222 | $ 75,623,000 | $ 340,644 | $ 112,000 |
| Las Vegas-Paradise, NV | 81 | $ 13,847,000 | $ 170,950 | $ 96,000 |
| Riverside-San Bernardino-Ontario, CA | 59 | $ 17,112,000 | $ 290,033 | $ 117,000 |
| Oakland-Fremont-Hayward, CA | 24 | $ 9,621,000 | $ 400,875 | $ 114,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 20 | $ 7,166,000 | $ 358,300 | $ 114,700 |
| San Diego-Carlsbad-San Marcos, CA | 19 | $ 6,527,000 | $ 343,526 | $ 84,000 |
| Santa Ana-Anaheim-Irvine, CA | 18 | $ 8,029,000 | $ 446,055 | $ 208,000 |
| Stockton, CA | 18 | $ 6,197,000 | $ 344,277 | $ 81,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 15 | $ 4,530,000 | $ 302,000 | $ 100,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 15 | $ 5,840,000 | $ 389,333 | $ 123,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 14 | $ 4,442,000 | $ 317,285 | $ 109,000 |
| Fresno, CA | 12 | $ 2,604,000 | $ 217,000 | $ 74,000 |
| Bakersfield, CA | 11 | $ 2,800,000 | $ 254,545 | $ 52,000 |
| Visalia-Porterville, CA | 11 | $ 2,596,000 | $ 236,000 | $ 80,000 |
| Modesto, CA | 8 | $ 3,740,000 | $ 467,500 | $ 196,000 |
| Richmond, VA | 7 | $ 1,180,000 | $ 168,571 | $ 67,000 |
| Salinas, CA | 7 | $ 2,162,000 | $ 308,857 | $ 95,000 |
| Vallejo-Fairfield, CA | 7 | $ 2,187,000 | $ 312,428 | $ 134,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,488,000 | $ 212,571 | $ 47,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 1,815,000 | $ 302,500 | $ 75,000 |
| Redding, CA | 6 | $ 1,672,000 | $ 278,666 | $ 84,000 |
| Chico, CA | 5 | $ 1,404,000 | $ 280,800 | $ 71,000 |
| Orlando-Kissimmee, FL | 5 | $ 1,915,000 | $ 383,000 | $ 125,000 |
| Santa Cruz-Watsonville, CA | 5 | $ 2,803,000 | $ 560,600 | $ 119,000 |
| Santa Rosa-Petaluma, CA | 5 | $ 1,242,000 | $ 248,400 | $ 54,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 772,000 | $ 154,400 | $ 65,000 |
| Madera, CA | 4 | $ 1,124,000 | $ 281,000 | $ 12,000 |
| Merced, CA | 4 | $ 1,362,000 | $ 340,500 | $ 57,000 |
| San Francisco-San Mateo-Redwood City, CA | 4 | $ 1,283,000 | $ 320,750 | $ 100,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 508,000 | $ 127,000 | $ 36,000 |
| El Centro, CA | 2 | $ 297,000 | $ 148,500 | $ 116,000 |
| Reno-Sparks, NV | 2 | $ 456,000 | $ 228,000 | $ 73,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 413,000 | $ 206,500 | $ 36,000 |
| Baltimore-Towson, MD | 1 | $ 338,000 | $ 338,000 | $ 74,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 284,000 | $ 284,000 | $ 103,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 91,000 | $ 91,000 | $ 71,000 |
| Hanford-Corcoran, CA | 1 | $ 168,000 | $ 168,000 | $ 110,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 450,000 | $ 450,000 | $ 118,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 184,000 | $ 184,000 | $ 36,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 399,000 | $ 399,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Koshman Enterprises Inc in 2006
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 |
|---|---|---|---|---|---|---|
| Refinancing | 513 | $162,136,000 | $316,000 | $1,495,000 | $94,000 | $1,014,000 |
| Home Purchase | 120 | $30,825,000 | $256,000 | $1,100,000 | $151,000 | $672,000 |
| Home Improvement | 26 | $7,616,000 | $292,000 | $750,000 | $83,000 | $348,000 |
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 |
|---|---|---|---|---|---|---|
| White | 237 | $74,327,000 | $313,000 | $1,495,000 | $115,000 | $960,000 |
| Hispanic | 205 | $56,728,000 | $276,000 | $840,000 | $81,000 | $1,014,000 |
| Not Provided | 138 | $43,198,000 | $313,000 | $1,000,000 | $114,000 | $672,000 |
| Black or African American | 54 | $16,429,000 | $304,000 | $648,000 | $93,000 | $315,000 |
| Asian | 18 | $8,063,000 | $447,000 | $850,000 | $166,000 | $348,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,145,000 | $229,000 | $400,000 | $126,000 | $216,000 |
| American Indian or Alaskan Native | 2 | $687,000 | $343,000 | $519,000 | $55,000 | $110,000 |
| Not applicable | 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) | 657 | $200,058,000 | $304,000 | $1,495,000 | $104,000 | $1,014,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $248,000 | $248,000 | $248,000 | $55,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 1 | $271,000 | $271,000 | $271,000 | $66,000 | $66,000 |
| FHA-insured (Federal Housing 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 | 423 | $122,935,000 | $290,000 | $1,495,000 | $93,000 | $563,000 |
| Application Withdrawn By Applicant | 166 | $56,110,000 | $338,000 | $1,000,000 | $131,000 | $1,014,000 |
| Application Denied By Financial Institution | 38 | $11,534,000 | $303,000 | $800,000 | $92,000 | $352,000 |
| File Closed For Incompleteness | 22 | $7,144,000 | $324,000 | $840,000 | $118,000 | $288,000 |
| Application Approved But Not Accepted | 5 | $1,557,000 | $311,000 | $564,000 | $201,000 | $384,000 |
| Loan Purchased By The Institution | 5 | $1,297,000 | $259,000 | $500,000 | $58,000 | $113,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 12 | $2,860,000 | $238,000 | $485,000 | $77,000 | $208,000 |
| Credit History | 8 | $2,536,000 | $317,000 | $400,000 | $66,000 | $186,000 |
| Debt-To-Income Ratio | 8 | $3,063,000 | $382,000 | $800,000 | $135,000 | $352,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $639,000 | $213,000 | $364,000 | $121,000 | $126,000 |
| Unverifiable Information | 3 | $895,000 | $298,000 | $544,000 | $84,000 | $96,000 |
| Other | 1 | $210,000 | $210,000 | $210,000 | $0 | $0 |
| Employment History | 1 | $381,000 | $381,000 | $381,000 | $71,000 | $71,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Koshman Enterprises Inc's 2006 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 Koshman Enterprises 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.
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