Bank of Bird-in-Hand at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
74th1.7% deniedProcesswithdrawn + incomplete share, weight 15%
87th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 364 | 338 | 3.9% | 3.9% | — | $75M |
| 2024 | 438 | 409 | 2.5% | 2.5% | — | $100M |
| 2025 | 478 | 462 | 1.7% | 1.7% | — | $127M |
What Bank of Bird-in-Hand lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 26 manufactured homes, 381 investment properties.
Who gets approved at Bank of Bird-in-Hand
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 35 | 2.8% |
| $50k – $100k | 131 | 126 | 1.5% |
| $100k – $150k | 68 | 67 | 0.0% |
| $150k – $250k | 62 | 60 | 1.6% |
| Over $250k | 29 | 28 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 93 | 91 | 0.0% |
| 25–34 | 124 | 119 | 2.4% |
| 35–44 | 50 | 50 | 0.0% |
| 45–54 | 37 | 36 | 0.0% |
Where Bank of Bird-in-Hand lends
3 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 468 | 452 | 1.7% | — | #164 |
| Maryland | 9 | 9 | 0.0% | — | #483 |
Frequently asked questions
Bank of Bird-in-Hand denied 1.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 74th percentile of investment-property lenders.
In 2025, 66% of its applications were for home purchases, 28% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.