First Bank of Berne in Indiana vs the state
9.4%Denial rate-7.22 pts vs state
9.8%Decision denial rate-10.35 pts vs state
83.7%Origination rate+21.45 pts vs state
—Median rate
—Rate spread (pts)
$70kMedian applicant income
385Loans originated
43Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 160 | 9.7% | — | #178 |
| 2024 | 419 | 343 | 11.0% | — | #123 |
| 2025 | 460 | 385 | 9.4% | — | #123 |
What First Bank of Berne lends in Indiana
By loan purpose
By loan type
Where in Indiana
Counties with the most First Bank of Berne applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 218 | 193 | 11 | 5.0% |
| Jay County | 92 | 69 | 17 | 18.5% |
| Wells County | 60 | 53 | 3 | 5.0% |
| Miami County | 25 | 21 | 1 | 4.0% |
| Allen County | 15 | 14 | 1 | 6.7% |
| Blackford County | 7 | 5 | 1 | 14.3% |
| Huntington County | 6 | 4 | 2 | 33.3% |
| Randolph County | 6 | 5 | 1 | 16.7% |
| Wabash County | 5 | 2 | 3 | 60.0% |
| Kosciusko County | 3 | 2 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 460 applications in 2025, of which 385 were originated and 43 denied.
9.4% of all applications, or 9.8% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Bank of Berne's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology