Bank of Bird-in-Hand mortgage approval rate & lending review
Bank of Bird-in-Hand decided 1,115 mortgage applications and funded 1,061 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Bird-in-Hand reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Bird-in-Hand at a glance
Approval is 14.4 points above the 83.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 127 / 130 | 98% | $275K | 124 |
| Home improvement loans | 100% | 28 / 28 | 100% | $105K | 28 |
| Refinance | 88% | 63 / 72 | 100% | $245K | 63 |
| Investment property purchase | 99% | 646 / 651 | 97% | $225K | 626 |
| Investment refinance | 95% | 184 / 194 | 98% | $165K | 180 |
| Investment home improvement | 100% | 40 / 40 | 100% | $125K | 40 |
Bank of Bird-in-Hand lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 98% | $225K | 1,095 | 1,041 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank of Bird-in-Hand lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lancaster County, PA | Investment property purchase | 99% | 337 | 331 |
| York County, PA | Investment property purchase | 100% | 102 | 100 |
| Lancaster County, PA | Mortgage lenders | 97% | 90 | 85 |
| Lancaster County, PA | Investment refinance | 96% | 75 | 70 |
| Chester County, PA | Investment property purchase | 100% | 68 | 66 |
| Lebanon County, PA | Investment property purchase | 96% | 71 | 62 |
| Dauphin County, PA | Investment property purchase | 100% | 50 | 46 |
| Lancaster County, PA | Refinance | 98% | 44 | 43 |
| Chester County, PA | Investment refinance | 100% | 28 | 28 |
| York County, PA | Investment refinance | 93% | 29 | 26 |
| Dauphin County, PA | Investment refinance | 100% | 21 | 21 |
| Lancaster County, PA | Home improvement loans | 100% | 21 | 21 |
The county markets where Bank of Bird-in-Hand made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Bird-in-Hand
What is Bank of Bird-in-Hand's mortgage approval rate?
Bank of Bird-in-Hand approved 97.6% of the 1,115 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Bird-in-Hand offers?
Borrowers accepted 98% of the loans Bank of Bird-in-Hand approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank of Bird-in-Hand make?
The typical investment property mortgage loan Bank of Bird-in-Hand made was $225K; across all loan types its typical loan ran from $105K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Bird-in-Hand lend?
Bank of Bird-in-Hand decided applications in 3 of the states Fat Boy Data covers, most of them in Pennsylvania, Maryland and Florida.
Can I apply to Bank of Bird-in-Hand directly?
Yes. Bank of Bird-in-Hand is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Bird-in-Hand's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank of Bird-in-Hand treats applications, then get a rate quote from the lender.