Peoplesbank, A Codorus Valley Mortgage Lending & HMDA Data, 2019
In 2019, Peoplesbank, A Codorus Valley of York, PA reported 1,009 mortgage applications totaling $177.8 million, down 7% from 2018. The average application was for $176,228, and applicants reported an average income of $114,750. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were York-Hanover, PA (678), Baltimore-Columbia-Towson, MD (148) and Gettysburg, PA (58) (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 | 1,009 |
| Total Mortgage Loan Application Amount | $177,815,000 |
| Average Mortgage Loan Application Amount | $176,228 |
| Highest Mortgage Loan Application Amount | $7,355,000 |
| Average Applicant Income | $114,750 |
| Highest Applicant Income | $2,000,000 |
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records Peoplesbank, A Codorus Valley filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 399 | $98,525,000 | $246,000 | $7,355,000 | $125,000 | $1,333,000 |
| Refinancing | 257 | $41,845,000 | $162,000 | $1,805,000 | $106,000 | $2,000,000 |
| Other Purpose | 163 | $17,165,000 | $105,000 | $1,385,000 | $120,000 | $1,485,000 |
| Home Improvement | 137 | $9,495,000 | $69,000 | $305,000 | $100,000 | $996,000 |
| Cash-out Refinancing | 53 | $10,785,000 | $203,000 | $965,000 | $102,000 | $515,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 728 | $112,890,000 | $155,000 | $1,385,000 | $108,000 | $1,485,000 |
| Not applicable | 177 | $45,335,000 | $256,000 | $7,355,000 | $0 | $0 |
| Not Provided | 60 | $9,660,000 | $161,000 | $1,605,000 | $156,000 | $2,000,000 |
| Black or African American | 18 | $3,700,000 | $205,000 | $745,000 | $74,000 | $148,000 |
| Hispanic | 13 | $1,385,000 | $106,000 | $385,000 | $114,000 | $378,000 |
| Asian | 10 | $4,530,000 | $453,000 | $2,005,000 | $325,000 | $756,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $220,000 | $110,000 | $205,000 | $94,000 | $95,000 |
| 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) | 1,008 | $177,610,000 | $176,000 | $7,355,000 | $113,000 | $2,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $205,000 | $205,000 | $205,000 | $73,000 | $73,000 |
| 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 | 826 | $154,740,000 | $187,000 | $7,355,000 | $114,000 | $2,000,000 |
| Application Denied By Financial Institution | 91 | $10,135,000 | $111,000 | $1,005,000 | $100,000 | $1,333,000 |
| Application Withdrawn By Applicant | 44 | $6,750,000 | $153,000 | $565,000 | $135,000 | $755,000 |
| Application Approved But Not Accepted | 39 | $4,835,000 | $123,000 | $485,000 | $96,000 | $232,000 |
| File Closed For Incompleteness | 9 | $1,355,000 | $150,000 | $785,000 | $112,000 | $413,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 918 | $167,680,000 | $182,000 | $7,355,000 | $115,000 | $2,000,000 |
| Credit History | 32 | $1,510,000 | $47,000 | $235,000 | $90,000 | $996,000 |
| Debt-To-Income Ratio | 28 | $2,790,000 | $99,000 | $355,000 | $44,000 | $152,000 |
| Collateral | 24 | $3,550,000 | $147,000 | $775,000 | $177,000 | $1,333,000 |
| Other | 6 | $2,270,000 | $378,000 | $1,005,000 | $68,000 | $90,000 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $144,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoplesbank, A Codorus Valley's 2019 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
with aggregated HMDA statistics today.
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