Peoplesbank, A Codorus Valley Mortgage Lending & HMDA Data, 2024
In 2024, Peoplesbank, A Codorus Valley of York, PA reported 357 mortgage applications totaling $90.7 million, down 53% from 2023. The average application was for $254,131, and applicants reported an average income of $131,767. 68% of its applications resulted in an originated loan and 22% were denied. Its largest markets were York-Hanover, PA (245), Baltimore-Columbia-Towson, MD (61) and Lancaster, PA (24) (applications in parentheses).
| Mortgage Company & Address | Peoplesbank, A Codorus Valley 105 Leader Heights Rd York, PA 17403 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 357 |
| Total Mortgage Loan Application Amount | $90,725,000 |
| Average Mortgage Loan Application Amount | $254,131 |
| Highest Mortgage Loan Application Amount | $13,155,000 |
| Average Applicant Income | $131,767 |
| Highest Applicant Income | $1,369,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peoplesbank, A Codorus Valley filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| York-Hanover, PA | 245 | $ 49,395,000 | $ 201,612 | $ 110,000 |
| Baltimore-Columbia-Towson, MD | 61 | $ 18,485,000 | $ 303,032 | $ 222,000 |
| Lancaster, PA | 24 | $ 17,860,000 | $ 744,166 | $ 169,000 |
| Gettysburg, PA | 15 | $ 2,255,000 | $ 150,333 | $ 86,000 |
| Harrisburg-Carlisle, PA | 10 | $ 1,950,000 | $ 195,000 | $ 56,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 525,000 | $ 525,000 | $ 164,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 255,000 | $ 255,000 | $ 665,000 |
Mortgage Loan Application Detail Totals for Peoplesbank, A Codorus Valley in 2024
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 101 | $55,445,000 | $548,000 | $13,155,000 | $119,000 | $545,000 |
| Home Improvement | 94 | $10,800,000 | $114,000 | $545,000 | $122,000 | $443,000 |
| Other Purpose | 88 | $9,620,000 | $109,000 | $515,000 | $158,000 | $1,369,000 |
| Refinancing | 70 | $13,140,000 | $187,000 | $1,205,000 | $125,000 | $435,000 |
| Cash-out Refinancing | 4 | $1,720,000 | $430,000 | $765,000 | $225,000 | $598,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 287 | $46,985,000 | $163,000 | $1,205,000 | $124,000 | $1,369,000 |
| Not Provided | 27 | $5,255,000 | $194,000 | $525,000 | $227,000 | $665,000 |
| Not applicable | 21 | $35,075,000 | $1,670,000 | $13,155,000 | $0 | $0 |
| Black or African American | 9 | $885,000 | $98,000 | $225,000 | $132,000 | $368,000 |
| Hispanic | 8 | $1,410,000 | $176,000 | $285,000 | $83,000 | $142,000 |
| Asian | 4 | $720,000 | $180,000 | $255,000 | $142,000 | $431,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $395,000 | $395,000 | $395,000 | $100,000 | $100,000 |
| American Indian or Alaskan Native | 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) | 357 | $90,725,000 | $254,000 | $13,155,000 | $133,000 | $1,369,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 244 | $63,840,000 | $261,000 | $13,155,000 | $146,000 | $1,369,000 |
| Application Denied By Financial Institution | 77 | $8,865,000 | $115,000 | $815,000 | $89,000 | $400,000 |
| Application Withdrawn By Applicant | 19 | $15,525,000 | $817,000 | $12,005,000 | $195,000 | $1,369,000 |
| Application Approved But Not Accepted | 9 | $1,495,000 | $166,000 | $405,000 | $67,000 | $91,000 |
| File Closed For Incompleteness | 8 | $1,000,000 | $125,000 | $305,000 | $73,000 | $145,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 280 | $81,860,000 | $292,000 | $13,155,000 | $146,000 | $1,369,000 |
| Credit History | 28 | $2,680,000 | $95,000 | $605,000 | $82,000 | $163,000 |
| Debt-To-Income Ratio | 24 | $2,820,000 | $117,000 | $385,000 | $55,000 | $400,000 |
| Collateral | 20 | $2,800,000 | $140,000 | $815,000 | $133,000 | $314,000 |
| Other | 5 | $565,000 | $113,000 | $185,000 | $111,000 | $222,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoplesbank, A Codorus Valley's 2024 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 Peoplesbank, A Codorus Valley'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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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