Applications / Mortgage Analytics / Lenders / Indiana / First Bank of Berne
Berne, IN · State member bank · FRS · $1.1 billion assets · 434 loans in 2025
First Bank of Berne's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
434
loans originated, 2025
516
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bank of Berne, an Indiana bank, makes small loans, many of them for home improvement, and lends to poorer borrowers more than nearly nine in ten similar lenders.
Home improvement made up 30.0% of its loans, beside purchases at 34.3% and refinances at 26.0%. Its typical loan was $105,000, against $185,000 at similar lenders (banks of the same type making between half and twice as many loans), among the lowest few. Home-improvement loans are usually small, which may explain much of that.
Low- and moderate-income (LMI) borrowers took 40.4% of its loans, against 28.0%. Its shares in LMI neighborhoods (11.5%, against 16.9%) and in majority-minority areas (0.5%, against 7.1%) were lower. Those may reflect the parts of Indiana it serves.
It made 434 loans, up 14% from 380, while similar lenders grew 6%. It made 182 loans in 2023 and 657 in 2020.
In Fort Wayne its share rose to 0.7% from 0.4%, ranking 36 of 304. Three Rivers Federal Credit Union leads there. Its share in Indianapolis rose too.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Bank of Berne took 516 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.3% · Home improvement 30.0% · Refinance 26.0% · Other 9.7%
Conventional 100.0% · of 434 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 |
|---|---|---|
| Indiana | 385 | 88.7% |
| Ohio | 46 | 10.6% |
| Michigan | 2 | 0.5% |
| Tennessee | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Wayne | 67 |
| Indianapolis-Carmel-Greenwood | 4 |
| Kokomo | 2 |
| Lafayette-West Lafayette | 2 |
| Cincinnati | 1 |
| Elkhart-Goshen | 1 |
| Lake County-Porter County-Jasper County | 1 |
| Monroe | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300H3YPB6EJ1RV917 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 312244 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2312244 | 1994–2017 |
Established 21 October 1891. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: First Bank of Berne's data.
First Bank of Berne's data
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First Bank of Berne and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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