Peoplesbank, A Codorus Valley Mortgage Lending & HMDA Data, 2021
In 2021, Peoplesbank, A Codorus Valley of York, PA reported 1,282 mortgage applications totaling $285.8 million, down 8% from 2020. The average application was for $222,940, and applicants reported an average income of $123,204. 82% of its applications resulted in an originated loan and 10% were denied. Its largest markets were York-Hanover, PA (841), Baltimore-Columbia-Towson, MD (234) and Gettysburg, PA (63) (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 | 1,282 |
| Total Mortgage Loan Application Amount | $285,810,000 |
| Average Mortgage Loan Application Amount | $222,940 |
| Highest Mortgage Loan Application Amount | $7,475,000 |
| Average Applicant Income | $123,204 |
| Highest Applicant Income | $2,607,000 |
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records Peoplesbank, A Codorus Valley filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 427 | $102,365,000 | $239,000 | $7,475,000 | $124,000 | $1,122,000 |
| Home Purchase | 325 | $109,555,000 | $337,000 | $5,005,000 | $131,000 | $2,607,000 |
| Other Purpose | 211 | $19,085,000 | $90,000 | $505,000 | $116,000 | $906,000 |
| Home Improvement | 190 | $24,170,000 | $127,000 | $5,005,000 | $104,000 | $363,000 |
| Cash-out Refinancing | 129 | $30,635,000 | $237,000 | $1,685,000 | $141,000 | $1,064,000 |
| 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 | 1,056 | $182,030,000 | $172,000 | $1,685,000 | $120,000 | $2,607,000 |
| Not applicable | 113 | $84,255,000 | $745,000 | $7,475,000 | $0 | $0 |
| Not Provided | 69 | $11,425,000 | $165,000 | $815,000 | $170,000 | $1,020,000 |
| Black or African American | 21 | $4,095,000 | $195,000 | $1,405,000 | $129,000 | $408,000 |
| Hispanic | 14 | $2,360,000 | $168,000 | $535,000 | $83,000 | $157,000 |
| Asian | 6 | $1,430,000 | $238,000 | $375,000 | $230,000 | $500,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $11,000 | $11,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,282 | $285,810,000 | $222,000 | $7,475,000 | $123,000 | $2,607,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,054 | $221,010,000 | $209,000 | $7,475,000 | $125,000 | $2,607,000 |
| Application Denied By Financial Institution | 128 | $20,130,000 | $157,000 | $4,505,000 | $87,000 | $906,000 |
| Application Withdrawn By Applicant | 57 | $32,905,000 | $577,000 | $7,105,000 | $159,000 | $1,020,000 |
| Application Approved But Not Accepted | 27 | $6,145,000 | $227,000 | $3,205,000 | $101,000 | $174,000 |
| File Closed For Incompleteness | 13 | $4,655,000 | $358,000 | $1,685,000 | $192,000 | $950,000 |
| Loan Purchased By The Institution | 3 | $965,000 | $321,000 | $455,000 | $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 | 1,154 | $265,680,000 | $230,000 | $7,475,000 | $127,000 | $2,607,000 |
| Debt-To-Income Ratio | 41 | $5,265,000 | $128,000 | $445,000 | $50,000 | $146,000 |
| Credit History | 40 | $3,060,000 | $76,000 | $585,000 | $94,000 | $906,000 |
| Collateral | 36 | $5,330,000 | $148,000 | $755,000 | $112,000 | $585,000 |
| Credit Application Incomplete | 3 | $4,835,000 | $1,611,000 | $4,505,000 | $43,000 | $43,000 |
| Other | 3 | $495,000 | $165,000 | $225,000 | $199,000 | $403,000 |
| Unverifiable Information | 2 | $650,000 | $325,000 | $375,000 | $92,000 | $163,000 |
| Employment History | 2 | $230,000 | $115,000 | $175,000 | $80,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $265,000 | $265,000 | $265,000 | $98,000 | $98,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoplesbank, A Codorus Valley's 2021 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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