First Bank of Berne
First Bank of Berne received 516 applications in 2025 and made 434 mortgages, in 36 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 494 decisions, 49 were denials — 9.9%.
| Legal Entity Identifier | 549300H3YPB6EJ1RV917 |
|---|---|
| Applications received | 516 |
| Mortgages made | 434 |
| Denied | 49 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 22 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Bank of Berne, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 149 | Not published | $155,000 | 11.2% |
| Refinancing | 105 | Not published | $85,000 | 6.1% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 172 | Not published | $55,000 | 11.4% |
Where First Bank of Berne lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Adams County, IN | 193 | Not published | 5.2% |
| Jay County, IN | 69 | Not published | 19.1% |
| Wells County, IN | 53 | Not published | 5.4% |
| Van Wert County, OH | 22 | Not published | 15.4% |
| Miami County, IN | 21 | Not published | 4.4% |
| Allen County, IN | 14 | Not published | 6.7% |
| Mercer County, OH | 13 | Not published | 7.1% |
| Paulding County, OH | 6 | Under 10 loans | 14.3% |
| Blackford County, IN | 5 | Under 10 loans | 16.7% |
| Randolph County, IN | 5 | Under 10 loans | 16.7% |
| Huntington County, IN | 4 | Under 10 loans | 33.3% |
| Howard County, IN | 2 | Under 10 loans | 0.0% |
| Jefferson County, IN | 2 | Under 10 loans | 0.0% |
| Kosciusko County, IN | 2 | Under 10 loans | 0.0% |
| Marion County, IN | 2 | Under 10 loans | 0.0% |
| Steuben County, IN | 2 | Under 10 loans | 0.0% |
| Tippecanoe County, IN | 2 | Under 10 loans | 0.0% |
| Wabash County, IN | 2 | Under 10 loans | 60.0% |
| Darke County, OH | 2 | Under 10 loans | 0.0% |
| Elkhart County, IN | 1 | Under 10 loans | 0.0% |
| Grant County, IN | 1 | Under 10 loans | 50.0% |
| Hamilton County, IN | 1 | Under 10 loans | 0.0% |
| Henry County, IN | 1 | Under 10 loans | 50.0% |
| LaGrange County, IN | 1 | Under 10 loans | 0.0% |
| Porter County, IN | 1 | Under 10 loans | 0.0% |
| Tipton County, IN | 1 | Under 10 loans | 0.0% |
| Monroe County, MI | 1 | Under 10 loans | 0.0% |
| Van Buren County, MI | 1 | Under 10 loans | 0.0% |
| Butler County, OH | 1 | Under 10 loans | 0.0% |
| Holmes County, OH | 1 | Under 10 loans | 0.0% |
| Putnam County, OH | 1 | Under 10 loans | 0.0% |
| Smith County, TN | 1 | Under 10 loans | 0.0% |
| Delaware County, IN | 0 | Under 10 loans | 100.0% |
| Noble County, IN | 0 | Under 10 loans | 0.0% |
| Pulaski County, IN | 0 | Under 10 loans | Not published |
| Allen County, OH | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.