Applications / Mortgage Analytics / Lenders / Pennsylvania / Bank of Bird-in-Hand
Bird In Hand, PA · State non-member bank · FDIC · $1.8 billion assets · 462 loans in 2025
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462
loans originated, 2025
478
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Bird-in-Hand, a Pennsylvania state bank founded in 2013, is now the ninth-largest mortgage lender in Lancaster, and lends far more to poorer borrowers and neighborhoods than almost all similar lenders.
Low- and moderate-income (LMI) borrowers took 43.0% of its loans, a higher share than at almost all similar lenders (state non-member banks making between half and twice as many loans), where the typical share was 27.9%. LMI neighborhoods took 31.8%, about double the typical 15.9%, and majority-minority neighborhoods 20.6%, against 6.9%. This is not new: in 2020 its LMI borrower share was 45.4%.
In Lancaster, PA, where it first reported in 2015, its share rose to 2.7% from 2.3%. It ranks 9 of 365 lenders, behind Guild Mortgage Company, Fulton Bank and Members 1st Federal Credit Union, among others.
Its share fell to 1.3% from 1.8% in Lebanon, PA, and to 0.2% from 0.5% in York-Hanover, PA. In smaller markets that could be a few loans either way, or a sign that its lending is concentrating in Lancaster.
Its 462 loans were up 13%, against 9% at similar lenders and 10% for the whole market. It made 188 in 2018 and 375 in 2020. Purchases made up 66.7% of its lending and refinances 27.9%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Bird-in-Hand took 478 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 27.9% · Home improvement 4.5% · Other 0.9%
Conventional 100.0% · of 462 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 452 | 97.8% |
| Maryland | 9 | 1.9% |
| Florida | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lancaster | 248 |
| Harrisburg-Carlisle | 56 |
| Montgomery County-Bucks County-Chester County | 52 |
| York-Hanover | 37 |
| Lebanon | 32 |
| Reading | 6 |
| Wilmington | 5 |
| Baltimore-Columbia-Towson | 4 |
| Allentown-Bethlehem-Easton | 1 |
| Gettysburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R4XILOL7HDRE77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4536084 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 359074 | 2015–2017 |
Established 29 November 2013. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Bank of Bird-in-Hand's data.
Bank of Bird-in-Hand's data
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