Peoplesbank, A Codorus Valley Mortgage Lending & HMDA Data, 2013
In 2013, Peoplesbank, A Codorus Valley of York, PA reported 644 mortgage applications totaling $140.8 million, down 19% from 2012. The average application was for $218,555, and applicants reported an average income of $92,782. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were York-Hanover, PA (431), Baltimore-Towson, MD (115) and Harrisburg-Carlisle, PA (28) (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 | 644 |
| Total Mortgage Loan Application Amount | $140,750,000 |
| Average Mortgage Loan Application Amount | $218,555 |
| Highest Mortgage Loan Application Amount | $6,800,000 |
| Average Applicant Income | $92,782 |
| Highest Applicant Income | $2,502,000 |
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records Peoplesbank, A Codorus Valley filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 301 | $59,243,000 | $196,000 | $3,500,000 | $105,000 | $1,440,000 |
| Home Purchase | 266 | $63,085,000 | $237,000 | $5,000,000 | $76,000 | $936,000 |
| Home Improvement | 77 | $18,422,000 | $239,000 | $6,800,000 | $103,000 | $2,502,000 |
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 | 520 | $86,706,000 | $166,000 | $4,125,000 | $100,000 | $936,000 |
| Not applicable | 79 | $45,455,000 | $575,000 | $6,800,000 | $0 | $0 |
| Not Provided | 24 | $6,625,000 | $276,000 | $3,000,000 | $262,000 | $2,502,000 |
| Asian | 7 | $648,000 | $92,000 | $267,000 | $96,000 | $324,000 |
| Black or African American | 6 | $487,000 | $81,000 | $152,000 | $68,000 | $225,000 |
| Hispanic | 5 | $684,000 | $136,000 | $350,000 | $60,000 | $105,000 |
| American Indian or Alaskan Native | 2 | $93,000 | $46,000 | $67,000 | $41,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $52,000 | $52,000 | $52,000 | $46,000 | $46,000 |
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) | 642 | $140,513,000 | $218,000 | $6,800,000 | $93,000 | $2,502,000 |
| FHA-insured (Federal Housing Administration) | 1 | $111,000 | $111,000 | $111,000 | $46,000 | $46,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $126,000 | $126,000 | $126,000 | $58,000 | $58,000 |
| 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 | 515 | $84,415,000 | $163,000 | $2,070,000 | $90,000 | $936,000 |
| Application Denied By Financial Institution | 52 | $26,659,000 | $512,000 | $6,800,000 | $121,000 | $2,502,000 |
| Application Withdrawn By Applicant | 47 | $24,729,000 | $526,000 | $5,000,000 | $78,000 | $324,000 |
| Application Approved But Not Accepted | 30 | $4,947,000 | $164,000 | $600,000 | $112,000 | $1,440,000 |
| 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 | 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 2013 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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