Peoplesbank, A Codorus Valley Mortgage Lending & HMDA Data, 2016
In 2016, Peoplesbank, A Codorus Valley of York, PA reported 637 mortgage applications totaling $130.7 million, up 27% from 2015. The average application was for $205,106, and applicants reported an average income of $101,376. 78% of its applications resulted in an originated loan and 9% were denied. Its largest markets were York-Hanover, PA (331), Baltimore-Columbia-Towson, MD (162) and Harrisburg-Carlisle, PA (79) (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 | 637 |
| Total Mortgage Loan Application Amount | $130,653,000 |
| Average Mortgage Loan Application Amount | $205,106 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $101,376 |
| Highest Applicant Income | $1,545,000 |
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records Peoplesbank, A Codorus Valley filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 388 | $83,764,000 | $215,000 | $4,000,000 | $98,000 | $1,545,000 |
| Refinancing | 189 | $33,472,000 | $177,000 | $1,515,000 | $97,000 | $1,331,000 |
| Home Improvement | 60 | $13,417,000 | $223,000 | $3,173,000 | $137,000 | $1,245,000 |
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 | 408 | $79,448,000 | $194,000 | $2,660,000 | $132,000 | $1,331,000 |
| Not applicable | 173 | $37,991,000 | $219,000 | $4,000,000 | $0 | $0 |
| Not Provided | 23 | $7,969,000 | $346,000 | $3,173,000 | $163,000 | $825,000 |
| Asian | 15 | $2,922,000 | $194,000 | $560,000 | $190,000 | $559,000 |
| Hispanic | 10 | $1,626,000 | $162,000 | $313,000 | $361,000 | $1,545,000 |
| Black or African American | 8 | $697,000 | $87,000 | $231,000 | $67,000 | $122,000 |
| Native Hawaiin 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) | 636 | $130,447,000 | $205,000 | $4,000,000 | $101,000 | $1,545,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $206,000 | $206,000 | $206,000 | $55,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 500 | $100,847,000 | $201,000 | $3,173,000 | $111,000 | $1,545,000 |
| Application Denied By Financial Institution | 58 | $9,384,000 | $161,000 | $900,000 | $84,000 | $1,331,000 |
| Application Approved But Not Accepted | 47 | $14,726,000 | $313,000 | $4,000,000 | $45,000 | $313,000 |
| Application Withdrawn By Applicant | 30 | $5,403,000 | $180,000 | $954,000 | $76,000 | $260,000 |
| File Closed For Incompleteness | 2 | $293,000 | $146,000 | $226,000 | $48,000 | $96,000 |
| 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 2016 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
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