Peoplesbank, A Codorus Valley Mortgage Lending & HMDA Data, 2023
In 2023, Peoplesbank, A Codorus Valley of York, PA reported 766 mortgage applications totaling $161.6 million, down 21% from 2022. The average application was for $210,939, and applicants reported an average income of $128,304. 76% of its applications resulted in an originated loan and 15% were denied. Its largest markets were York-Hanover, PA (520), Baltimore-Columbia-Towson, MD (110) and Gettysburg, PA (51) (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 | 766 |
| Total Mortgage Loan Application Amount | $161,580,000 |
| Average Mortgage Loan Application Amount | $210,939 |
| Highest Mortgage Loan Application Amount | $9,955,000 |
| Average Applicant Income | $128,304 |
| Highest Applicant Income | $2,232,000 |
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records Peoplesbank, A Codorus Valley filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 289 | $100,985,000 | $349,000 | $9,955,000 | $137,000 | $719,000 |
| Other Purpose | 163 | $16,345,000 | $100,000 | $515,000 | $128,000 | $2,232,000 |
| Refinancing | 160 | $23,740,000 | $148,000 | $875,000 | $112,000 | $661,000 |
| Home Improvement | 135 | $14,895,000 | $110,000 | $2,005,000 | $129,000 | $1,773,000 |
| Cash-out Refinancing | 19 | $5,615,000 | $295,000 | $725,000 | $131,000 | $262,000 |
| 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 | 573 | $96,415,000 | $168,000 | $1,575,000 | $126,000 | $2,232,000 |
| Not applicable | 66 | $39,410,000 | $597,000 | $9,955,000 | $0 | $0 |
| Not Provided | 62 | $10,550,000 | $170,000 | $735,000 | $142,000 | $1,276,000 |
| Black or African American | 29 | $7,065,000 | $243,000 | $1,525,000 | $157,000 | $881,000 |
| Hispanic | 22 | $4,600,000 | $209,000 | $1,655,000 | $94,000 | $338,000 |
| Asian | 12 | $3,120,000 | $260,000 | $585,000 | $139,000 | $246,000 |
| American Indian or Alaskan Native | 1 | $385,000 | $385,000 | $385,000 | $156,000 | $156,000 |
| 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) | 766 | $161,580,000 | $210,000 | $9,955,000 | $128,000 | $2,232,000 |
| 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 | 581 | $130,585,000 | $224,000 | $9,955,000 | $138,000 | $2,232,000 |
| Application Denied By Financial Institution | 114 | $15,700,000 | $137,000 | $1,575,000 | $81,000 | $300,000 |
| Application Withdrawn By Applicant | 37 | $6,245,000 | $168,000 | $725,000 | $127,000 | $661,000 |
| Application Approved But Not Accepted | 20 | $7,040,000 | $352,000 | $3,355,000 | $232,000 | $539,000 |
| File Closed For Incompleteness | 14 | $2,010,000 | $143,000 | $875,000 | $71,000 | $157,000 |
| 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 | 652 | $145,880,000 | $223,000 | $9,955,000 | $137,000 | $2,232,000 |
| Credit History | 49 | $3,875,000 | $79,000 | $465,000 | $72,000 | $275,000 |
| Debt-To-Income Ratio | 36 | $6,850,000 | $190,000 | $1,575,000 | $72,000 | $240,000 |
| Collateral | 21 | $3,815,000 | $181,000 | $955,000 | $117,000 | $300,000 |
| Other | 6 | $880,000 | $146,000 | $235,000 | $72,000 | $127,000 |
| Employment History | 2 | $280,000 | $140,000 | $255,000 | $79,000 | $79,000 |
| 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 2023 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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