First Bank of Berne: 2025 mortgage rates, costs & approvals
How First Bank of Berne priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: First Bank of Berne · LEI 549300H3YPB6EJ1RV917
In 2025, First Bank of Berne originated 142 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 1528th by volume among the 2,017 lenders profiled here.
It denied 14.1% of completed home-purchase applications (all lenders: 8.5%).
How First Bank of Berne priced home-purchase loans
| Purchase loans, 2025 | First Bank of Berne | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where First Bank of Berne lends
Counties where First Bank of Berne is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Adams County, IN | 1 | 72 | 16.7% |
| Jay County, IN | 1 | 19 | 9.8% |
| Wells County, IN | 7 | 18 | 4.2% |
| Van Wert County, OH | 10 | 10 | 2.8% |
| Blackford County, IN | 21 | 2 | 1.4% |
| Miami County, IN | 20 | 5 | 1.3% |
| Mercer County, OH | 19 | 3 | 1.3% |
| Paulding County, OH | 24 | 2 | 0.8% |
Check First Bank of Berne yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300H3YPB6EJ1RV917.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from First Bank of Berne with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology