Peoplesbank, A Codorus Valley Mortgage Lending & HMDA Data, 2015
In 2015, Peoplesbank, A Codorus Valley of York, PA reported 500 mortgage applications totaling $103.6 million, up 21% from 2014. The average application was for $207,272, and applicants reported an average income of $86,672. 78% of its applications resulted in an originated loan and 11% were denied. Its largest markets were York-Hanover, PA (298), Baltimore-Columbia-Towson, MD (97) and Harrisburg-Carlisle, PA (65) (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 | 500 |
| Total Mortgage Loan Application Amount | $103,636,000 |
| Average Mortgage Loan Application Amount | $207,272 |
| Highest Mortgage Loan Application Amount | $8,400,000 |
| Average Applicant Income | $86,672 |
| Highest Applicant Income | $1,490,000 |
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records Peoplesbank, A Codorus Valley filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 264 | $48,189,000 | $182,000 | $4,240,000 | $71,000 | $452,000 |
| Refinancing | 162 | $49,449,000 | $305,000 | $8,400,000 | $118,000 | $1,490,000 |
| Home Improvement | 74 | $5,998,000 | $81,000 | $2,650,000 | $74,000 | $1,485,000 |
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 | 317 | $46,158,000 | $145,000 | $1,200,000 | $113,000 | $1,490,000 |
| Not applicable | 126 | $47,960,000 | $380,000 | $8,400,000 | $0 | $0 |
| Not Provided | 37 | $7,239,000 | $195,000 | $900,000 | $147,000 | $874,000 |
| Asian | 8 | $1,162,000 | $145,000 | $417,000 | $136,000 | $232,000 |
| Hispanic | 7 | $825,000 | $117,000 | $188,000 | $70,000 | $135,000 |
| Black or African American | 5 | $292,000 | $58,000 | $96,000 | $67,000 | $92,000 |
| 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) | 493 | $102,746,000 | $208,000 | $8,400,000 | $87,000 | $1,490,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $459,000 | $153,000 | $176,000 | $45,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 2 | $91,000 | $45,000 | $79,000 | $42,000 | $49,000 |
| FHA-insured (Federal Housing Administration) | 2 | $340,000 | $170,000 | $242,000 | $67,000 | $107,000 |
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 | 389 | $85,166,000 | $218,000 | $8,400,000 | $91,000 | $1,490,000 |
| Application Denied By Financial Institution | 54 | $4,060,000 | $75,000 | $360,000 | $55,000 | $161,000 |
| Application Approved But Not Accepted | 29 | $6,292,000 | $216,000 | $1,560,000 | $106,000 | $1,485,000 |
| Application Withdrawn By Applicant | 23 | $6,870,000 | $298,000 | $4,240,000 | $65,000 | $199,000 |
| File Closed For Incompleteness | 5 | $1,248,000 | $249,000 | $900,000 | $74,000 | $163,000 |
| 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 2015 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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