Peoplesbank, A Codorus Valley Mortgage Lending & HMDA Data, 2011
In 2011, Peoplesbank, A Codorus Valley of York, PA reported 692 mortgage applications totaling $97.7 million, up 14% from 2010. The average application was for $141,144, and applicants reported an average income of $88,212. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were York-Hanover, PA (579), Baltimore-Towson, MD (57) and Harrisburg-Carlisle, PA (6) (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 | 692 |
| Total Mortgage Loan Application Amount | $97,672,000 |
| Average Mortgage Loan Application Amount | $141,144 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $88,212 |
| Highest Applicant Income | $983,000 |
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records Peoplesbank, A Codorus Valley filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 419 | $70,211,000 | $167,000 | $3,000,000 | $91,000 | $631,000 |
| Home Purchase | 153 | $22,548,000 | $147,000 | $875,000 | $98,000 | $983,000 |
| Home Improvement | 120 | $4,913,000 | $40,000 | $675,000 | $66,000 | $178,000 |
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 | 622 | $78,528,000 | $126,000 | $2,050,000 | $92,000 | $983,000 |
| Not applicable | 27 | $14,285,000 | $529,000 | $3,000,000 | $0 | $0 |
| Not Provided | 27 | $2,892,000 | $107,000 | $544,000 | $82,000 | $250,000 |
| Asian | 7 | $1,420,000 | $202,000 | $417,000 | $158,000 | $299,000 |
| Hispanic | 6 | $465,000 | $77,000 | $216,000 | $55,000 | $121,000 |
| Black or African American | 3 | $82,000 | $27,000 | $30,000 | $72,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 686 | $96,517,000 | $140,000 | $3,000,000 | $89,000 | $983,000 |
| FHA-insured (Federal Housing Administration) | 4 | $606,000 | $151,000 | $310,000 | $39,000 | $78,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $244,000 | $244,000 | $244,000 | $125,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 1 | $305,000 | $305,000 | $305,000 | $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 | 558 | $73,638,000 | $131,000 | $1,968,000 | $89,000 | $983,000 |
| Application Denied By Financial Institution | 64 | $12,183,000 | $190,000 | $3,000,000 | $64,000 | $158,000 |
| Application Withdrawn By Applicant | 39 | $5,316,000 | $136,000 | $875,000 | $88,000 | $371,000 |
| Application Approved But Not Accepted | 25 | $5,421,000 | $216,000 | $3,000,000 | $136,000 | $631,000 |
| File Closed For Incompleteness | 6 | $1,114,000 | $185,000 | $283,000 | $95,000 | $180,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2011 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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