First Bank of Berne at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
49th9.9% deniedProcesswithdrawn + incomplete share, weight 15%
81st4.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 224 | 182 | 10.3% | 11.1% | — | $31M |
| 2024 | 474 | 380 | 12.5% | 13.0% | — | $46M |
| 2025 | 516 | 434 | 9.5% | 9.9% | — | $83M |
What First Bank of Berne 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, 12 manufactured homes, 67 investment properties.
Who gets approved at First Bank of Berne
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 105 | 74 | 20.0% |
| $50k – $100k | 211 | 174 | 10.6% |
| $100k – $150k | 89 | 84 | 2.3% |
| $150k – $250k | 37 | 34 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 39 | 29 | 19.4% |
| 25–34 | 85 | 66 | 11.7% |
| 35–44 | 92 | 80 | 5.8% |
| 45–54 | 103 | 86 | 13.6% |
| 55–64 | 78 | 65 | 9.5% |
| 65–74 | 45 | 40 | 6.8% |
| Over 74 | 26 | 23 | 7.7% |
Where First Bank of Berne lends
4 states and 36 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Bank of Berne denied 9.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 49th percentile of small mortgage lenders.
In 2025, 35% of its applications were for home purchases, 25% for refinancing (including cash-out), and 40% 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.