Peoplesbank, A Codorus Valley Mortgage Lending & HMDA Data, 2006
In 2006, Peoplesbank, A Codorus Valley of York, PA reported 724 mortgage applications totaling $90.0 million, down 8% from 2005. The average application was for $124,334, and applicants reported an average income of $64,567. 79% of its applications resulted in an originated loan and 10% were denied. Its largest markets were York-Hanover, PA (639), Baltimore-Towson, MD (22) and Lancaster, PA (5) (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 | 724 |
| Total Mortgage Loan Application Amount | $90,018,000 |
| Average Mortgage Loan Application Amount | $124,334 |
| Highest Mortgage Loan Application Amount | $6,800,000 |
| Average Applicant Income | $64,567 |
| Highest Applicant Income | $656,000 |
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records Peoplesbank, A Codorus Valley filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Peoplesbank, A Codorus Valley 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 | 299 | $30,791,000 | $102,000 | $1,400,000 | $66,000 | $442,000 |
| Home Purchase | 289 | $42,992,000 | $148,000 | $6,800,000 | $61,000 | $656,000 |
| Home Improvement | 136 | $16,235,000 | $119,000 | $4,885,000 | $69,000 | $532,000 |
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 | 634 | $59,382,000 | $93,000 | $2,025,000 | $71,000 | $656,000 |
| Not applicable | 39 | $24,962,000 | $640,000 | $6,800,000 | $0 | $0 |
| Not Provided | 30 | $4,636,000 | $154,000 | $3,240,000 | $39,000 | $113,000 |
| Black or African American | 11 | $611,000 | $55,000 | $232,000 | $53,000 | $90,000 |
| Hispanic | 8 | $334,000 | $41,000 | $79,000 | $45,000 | $58,000 |
| Asian | 2 | $93,000 | $46,000 | $68,000 | $28,000 | $40,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 724 | $90,018,000 | $124,000 | $6,800,000 | $65,000 | $656,000 |
| 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 | 570 | $55,516,000 | $97,000 | $4,885,000 | $68,000 | $656,000 |
| Application Denied By Financial Institution | 74 | $16,613,000 | $224,000 | $6,800,000 | $39,000 | $287,000 |
| Application Withdrawn By Applicant | 54 | $15,747,000 | $291,000 | $3,240,000 | $65,000 | $532,000 |
| Application Approved But Not Accepted | 26 | $2,142,000 | $82,000 | $316,000 | $73,000 | $144,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1 | $67,000 | $67,000 | $67,000 | $48,000 | $48,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoplesbank, A Codorus Valley'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 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.
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