Peoplesbank A Codorus Valley Company Mortgage Rates, Fees & InfoYork, PA
Tax ID: 23-0962030
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewPeoplesbank A Codorus Valley Company is a smaller bank specializing in Home Purchase and Refi loans. Peoplesbank A Codorus Valley Company has a high proportion of conventional loans. Their top markets by origination volume include: York, Baltimore, Chambersburg, Gettysburg, and Lancaster among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)
Peoplesbank A Codorus Valley Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Peoplesbank A Codorus Valley Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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|Simulated Rate||Simulation Date|
|Home Equity Line of Credit (HELOC)||3.93%||11/30/23|
|30 Year Conventional Purchase||6.95%||11/30/23|
|30 Year Conventional Refi||6.51%||11/30/23|
|30 Year Cash-out Refi||6.88%||11/30/23|
|15 Year Conventional Purchase||7.01%||11/30/23|
|15 Year Conventional Refi||6.11%||11/30/23|
|15 Year Cash-out Refi||6.11%||11/30/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Peoplesbank A Codorus Valley Company Mortgage Calculator
Your EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Peoplesbank A Codorus Valley Company. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$182,270,000
PEOPLESBANK A CODORUS VALLEY COMPANY - 2022
PEOPLESBANK A CODORUS VALLEY COMPANY is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Peoplesbank A Codorus Valley Company's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.24%.
Relative Fees (Closing Costs)
Peoplesbank A Codorus Valley Company's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,462.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|YORK-HANOVER, PA (FHA|USDA|VA)||501||$79,265,000||$158,214||$4,321||3.43%|
|BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA)||130||$64,440,000||$495,692||$4,478||3.31%|
|CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA)||2||$12,810,000||$6,405,000||$0||4.00%|
|GETTYSBURG, PA (FHA|USDA|VA)||28||$7,200,000||$257,143||$5,474||4.29%|
|LANCASTER, PA (FHA|USDA|VA)||35||$6,425,000||$183,571||$6,485||2.93%|
|HARRISBURG-CARLISLE, PA (FHA|USDA|VA)||22||$3,510,000||$159,545||$4,665||4.84%|
|Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA)||7||$2,135,000||$305,000||$5,110||3.71%|
|SALISBURY, MD-DE (FHA|USDA|VA)||5||$1,805,000||$361,000||$4,201||5.05%|
|Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA)||5||$1,735,000||$347,000||$5,796||3.50%|
|SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA)||3||$1,215,000||$405,000||$6,215||5.08%|
|LEBANON, PA (FHA|USDA|VA)||5||$805,000||$161,000||$8,498||4.02%|
|Somerset, PA (FHA|USDA|VA)||1||$655,000||$655,000||$6,666||5.63%|
|Huntingdon, PA (FHA|USDA|VA)||1||$235,000||$235,000||$4,015||5.50%|
|ALTOONA, PA (FHA|USDA|VA)||1||$35,000||$35,000||$0||1.74%|
We use machine learning to identify the top lenders compared against PEOPLESBANK A CODORUS VALLEY COMPANY based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Peoplesbank A Codorus Valley Company's most frequently originated type of loan was HELOC, with 403 originations. Their 2nd most popular type was Conventional, with 343 originations.
For 2022, Peoplesbank A Codorus Valley Company's most frequently cited loan purpose was Home Purchase, with 260 originations. The 2nd most popular reason was Refi, with 183 originations.
For 2022, Peoplesbank A Codorus Valley Company's most frequently cited loan duration was Other, with 409 originations. The 2nd most popular length was 30 Year, with 168 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Peoplesbank A Codorus Valley Company's average total fees were $4,462, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 149 originations.
During 2022, Peoplesbank A Codorus Valley Company's average interest rate for loans was 5.00%, while their most frequently originated rate bucket for loans was <2.5%, with 345 originations.
2022 saw Peoplesbank A Codorus Valley Company place emphasis on $100,000 or less loans with 286 originations, totaling $15,860,000 in origination value.
Peoplesbank A Codorus Valley Company lent most frequently to those with incomes in the $100k-150k range, with 161 originations. The second most popular income band? $50k-75k, with 132 originations.
Applicant Debt to Income Ratio
Peoplesbank A Codorus Valley Company lent most frequently to those with DTI ratios of 20-30%, with 155 originations. The next most common DTI ratio? 30-36%, with 102 originations.
Approval RatesTotal approvals of all applications
Peoplesbank A Codorus Valley Company has an average approval rate.
Pick RateApprovals leading to origination
Peoplesbank A Codorus Valley Company has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|