The Campbell & Fetter Bank Mortgage Lending & HMDA Data, 2004
In 2004, The Campbell & Fetter Bank of Kendallville, IN reported 434 mortgage applications totaling $42.4 million, down 48% from 2003. The average application was for $97,619, and applicants reported an average income of $68,866. 88% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Elkhart-Goshen, IN (84), Fort Wayne, IN (40) and Indianapolis, IN (2) (applications in parentheses).
| Mortgage Company & Address | The Campbell & Fetter Bank Po Box 231 Kendallville, IN 46755 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 434 |
| Total Mortgage Loan Application Amount | $42,367,000 |
| Average Mortgage Loan Application Amount | $97,619 |
| Highest Mortgage Loan Application Amount | $516,000 |
| Average Applicant Income | $68,866 |
| Highest Applicant Income | $1,280,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Campbell & Fetter Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Noble, Indiana | 159 | $ 12,986,000 | $ 81,672 | $ 74,000 |
| Elkhart, Indiana | 84 | $ 10,134,000 | $ 120,642 | $ 79,000 |
| Kosciusko, Indiana | 56 | $ 5,549,000 | $ 99,089 | $ 61,000 |
| DeKalb, Indiana | 55 | $ 4,381,000 | $ 79,654 | $ 60,000 |
| Allen, Indiana | 31 | $ 3,867,000 | $ 124,741 | $ 61,000 |
| Steuben, Indiana | 16 | $ 1,692,000 | $ 105,750 | $ 64,000 |
| LaGrange, Indiana | 13 | $ 1,497,000 | $ 115,153 | $ 93,000 |
| Whitley, Indiana | 9 | $ 863,000 | $ 95,888 | $ 49,000 |
| Hancock, Indiana | 1 | $ 129,000 | $ 129,000 | $ 117,000 |
| Huntington, Indiana | 1 | $ 200,000 | $ 200,000 | $ 87,000 |
| Jay, Indiana | 1 | $ 144,000 | $ 144,000 | $ 97,000 |
| Shelby, Indiana | 1 | $ 122,000 | $ 122,000 | $ 74,000 |
| Muscatine, Iowa | 1 | $ 130,000 | $ 130,000 | $ 62,000 |
| Miami, Ohio | 1 | $ 161,000 | $ 161,000 | $ 32,000 |
| Williams, Ohio | 1 | $ 170,000 | $ 170,000 | $ 80,000 |
| Beaufort, South Carolina | 1 | $ 150,000 | $ 150,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for The Campbell & Fetter Bank in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 250 | $25,058,000 | $139,666 | $460,000 | $74,000 | $615,000 |
| Home Purchase | 160 | $16,277,000 | $114,000 | $516,000 | $48,250 | $1,280,000 |
| Home Improvement | 24 | $1,032,000 | $43,000 | $164,000 | $41,000 | $107,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 411 | $40,253,000 | $121,200 | $516,000 | $57,000 | $1,280,000 |
| Hispanic | 16 | $1,295,000 | $80,000 | $165,000 | $45,000 | $65,000 |
| Not applicable | 4 | $435,000 | $108,000 | $168,000 | $147,000 | $344,000 |
| Asian | 2 | $186,000 | $93,000 | $100,000 | $89,000 | $142,000 |
| Not Provided | 1 | $198,000 | $198,000 | $198,000 | $149,000 | $149,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 434 | $42,367,000 | $121,200 | $516,000 | $57,200 | $1,280,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 380 | $37,220,000 | $91,333 | $516,000 | $58,333 | $1,280,000 |
| Application Denied By Financial Institution | 37 | $3,690,000 | $125,600 | $333,000 | $50,800 | $152,000 |
| Application Withdrawn By Applicant | 12 | $1,077,000 | $89,000 | $184,000 | $60,000 | $108,000 |
| File Closed For Incompleteness | 4 | $379,000 | $94,000 | $168,000 | $64,000 | $79,000 |
| Application Approved But Not Accepted | 1 | $1,000 | $1,000 | $1,000 | $37,000 | $37,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 15 | $1,235,000 | $82,000 | $183,000 | $52,000 | $80,000 |
| Debt-To-Income Ratio | 11 | $1,015,000 | $107,333 | $161,000 | $35,333 | $65,000 |
| Collateral | 5 | $759,000 | $151,000 | $333,000 | $87,000 | $132,000 |
| Other | 5 | $571,000 | $125,666 | $152,000 | $70,333 | $152,000 |
| Unverifiable Information | 1 | $110,000 | $110,000 | $110,000 | $24,000 | $24,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Campbell & Fetter Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The Campbell & Fetter Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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