Peoplesbank, A Codorus Valley Mortgage Lending & HMDA Data, 2009
In 2009, Peoplesbank, A Codorus Valley of York, PA reported 807 mortgage applications totaling $110.9 million, up 37% from 2008. The average application was for $137,473, and applicants reported an average income of $79,827. 85% of its applications resulted in an originated loan and 7% were denied. Its largest markets were York-Hanover, PA (712), Baltimore-Towson, MD (26) and Harrisburg-Carlisle, PA (8) (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 | 807 |
| Total Mortgage Loan Application Amount | $110,941,000 |
| Average Mortgage Loan Application Amount | $137,473 |
| Highest Mortgage Loan Application Amount | $3,735,000 |
| Average Applicant Income | $79,827 |
| Highest Applicant Income | $1,837,000 |
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records Peoplesbank, A Codorus Valley filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 535 | $79,736,000 | $149,000 | $2,139,000 | $83,000 | $1,837,000 |
| Home Purchase | 168 | $24,436,000 | $145,000 | $645,000 | $82,000 | $639,000 |
| Home Improvement | 104 | $6,769,000 | $65,000 | $3,735,000 | $60,000 | $175,000 |
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 | 772 | $101,991,000 | $132,000 | $2,139,000 | $81,000 | $1,837,000 |
| Not applicable | 15 | $6,768,000 | $451,000 | $3,735,000 | $0 | $0 |
| Black or African American | 8 | $1,091,000 | $136,000 | $400,000 | $107,000 | $221,000 |
| Not Provided | 6 | $239,000 | $39,000 | $120,000 | $56,000 | $78,000 |
| Hispanic | 3 | $322,000 | $107,000 | $184,000 | $68,000 | $117,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $300,000 | $300,000 | $300,000 | $91,000 | $91,000 |
| American Indian or Alaskan Native | 1 | $83,000 | $83,000 | $83,000 | $71,000 | $71,000 |
| Asian | 1 | $147,000 | $147,000 | $147,000 | $83,000 | $83,000 |
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) | 805 | $110,666,000 | $137,000 | $3,735,000 | $80,000 | $1,837,000 |
| FHA-insured (Federal Housing Administration) | 2 | $275,000 | $137,000 | $142,000 | $29,000 | $36,000 |
| 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 | 686 | $97,605,000 | $142,000 | $3,735,000 | $83,000 | $1,837,000 |
| Application Denied By Financial Institution | 55 | $3,911,000 | $71,000 | $645,000 | $51,000 | $199,000 |
| Application Withdrawn By Applicant | 41 | $7,348,000 | $179,000 | $621,000 | $78,000 | $536,000 |
| Application Approved But Not Accepted | 24 | $1,853,000 | $77,000 | $365,000 | $76,000 | $175,000 |
| File Closed For Incompleteness | 1 | $224,000 | $224,000 | $224,000 | $70,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $275,000 | $137,000 | $142,000 | $29,000 | $36,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoplesbank, A Codorus Valley's 2009 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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