Peoplesbank A Codorus Valley Company Mortgage Rates, Fees & Info
York, PALEI: 5493008M2HP1C1B9LU12
Tax ID: 23-0962030
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Mortgage Data
Review & Overview
Peoplesbank A Codorus Valley Company is a smaller bank specializing in Home Purchase loans. Peoplesbank A Codorus Valley Company has a high proportion of conventional loans. Their top markets by origination volume include: York, Lancaster, Baltimore, Gettysburg, and Harrisburg among others. We have data for 7 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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.96% | 4/19/25 |
| 30 Year Conventional Purchase | 6.84% | 4/19/25 |
| 30 Year Conventional Refi | 7.43% | 4/19/25 |
| 30 Year Cash-out Refi | 6.96% | 4/19/25 |
| 15 Year Conventional Purchase | 7.34% | 4/19/25 |
| 15 Year Conventional Refi | 6.00% | 4/19/25 |
| 15 Year Cash-out Refi | 6.00% | 4/19/25 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
244Origination Dollar Volume (All Markets)
$63,840,000Relative Rate
Peoplesbank A Codorus Valley Company's average 30 year fixed mortgage rate was
6.92%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.37%.
Relative Fees (Closing Costs)
Peoplesbank A Codorus Valley Company's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,768.
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 $8,356.
Top Markets
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) | 166 | $28,390,000 | $171,024 | $5,995 | 5.57% |
| LANCASTER, PA (FHA|USDA|VA) | 16 | $16,600,000 | $1,037,500 | $5,186 | 5.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 46 | $15,530,000 | $337,609 | $4,989 | 5.63% |
| GETTYSBURG, PA (FHA|USDA|VA) | 9 | $1,345,000 | $149,444 | $5,029 | 5.35% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $4,746 | 7.80% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,958 | 7.25% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.99% |
Similar Lenders
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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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 156 | $21,800,000 | $139,744 | n/a | 4.73% |
| Conventional | 88 | $42,040,000 | $477,727 | $5,644 | 7.26% |
For 2024, Peoplesbank A Codorus Valley Company's most frequently originated type of loan was HELOC, with 156 originations. Their 2nd most popular type was Conventional, with 88 originations.
Loan Reason
For 2024, Peoplesbank A Codorus Valley Company's most frequently cited loan purpose was Home Purchase, with 82 originations. The 2nd most popular reason was Home Improvement, with 56 originations.
Loan Duration/Length
For 2024, Peoplesbank A Codorus Valley Company's most frequently cited loan duration was Other, with 158 originations. The 2nd most popular length was 30 Year, with 56 originations.
Origination Fees/Closing Costs
Peoplesbank A Codorus Valley Company's average total fees were $5,768, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 33 originations.
Interest Rates
During 2024, Peoplesbank A Codorus Valley Company's average interest rate for loans was 6.92%, while their most frequently originated rate bucket for loans was 3-4%, with 98 originations.
Loan Sizing
2024 saw Peoplesbank A Codorus Valley Company place emphasis on $100k-200k loans with 77 originations, totaling $11,005,000 in origination value.
Applicant Income
Peoplesbank A Codorus Valley Company lent most frequently to those with incomes in the $50k-75k range, with 47 originations. The second most popular income band? $150k-250k, with 43 originations.
Applicant Debt to Income Ratio
Peoplesbank A Codorus Valley Company lent most frequently to those with DTI ratios of 20-30%, with 53 originations. The next most common DTI ratio? 44%, with 38 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.43%
Peoplesbank A Codorus Valley Company has a below average approval rate.
Pick Rate
Approvals leading to origination88.52%
Peoplesbank A Codorus Valley Company has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 244 | $63,840,000 | $261,639 |