The Campbell & Fetter Bank Mortgage Lending & HMDA Data, 2007
In 2007, The Campbell & Fetter Bank of Kendallville, IN reported 287 mortgage applications totaling $27.6 million, down 11% from 2006. The average application was for $96,306, and applicants reported an average income of $75,686. 85% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Elkhart-Goshen, IN (56), Fort Wayne, IN (19) and Bloomington, IN (1) (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 | 287 |
| Total Mortgage Loan Application Amount | $27,640,000 |
| Average Mortgage Loan Application Amount | $96,306 |
| Highest Mortgage Loan Application Amount | $445,000 |
| Average Applicant Income | $75,686 |
| Highest Applicant Income | $706,000 |
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records The Campbell & Fetter Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 118 | $ 9,409,000 | $ 79,737 | $ 75,000 |
| Elkhart, Indiana | 56 | $ 6,114,000 | $ 109,178 | $ 67,000 |
| DeKalb, Indiana | 43 | $ 3,599,000 | $ 83,697 | $ 63,000 |
| LaGrange, Indiana | 18 | $ 2,723,000 | $ 151,277 | $ 94,000 |
| Steuben, Indiana | 18 | $ 2,009,000 | $ 111,611 | $ 93,000 |
| Allen, Indiana | 14 | $ 1,539,000 | $ 109,928 | $ 108,000 |
| Kosciusko, Indiana | 13 | $ 1,395,000 | $ 107,307 | $ 77,000 |
| Whitley, Indiana | 4 | $ 460,000 | $ 115,000 | $ 73,000 |
| Hamilton, Indiana | 1 | $ 146,000 | $ 146,000 | $ 43,000 |
| Monroe, Indiana | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Wells, Indiana | 1 | $ 111,000 | $ 111,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for The Campbell & Fetter Bank in 2007
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 | 151 | $14,643,000 | $96,000 | $417,000 | $74,000 | $706,000 |
| Home Purchase | 107 | $11,916,000 | $111,000 | $445,000 | $75,000 | $706,000 |
| Home Improvement | 29 | $1,081,000 | $37,000 | $217,000 | $87,000 | $295,000 |
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 | 271 | $26,264,000 | $96,000 | $445,000 | $76,000 | $706,000 |
| Hispanic | 11 | $1,017,000 | $92,000 | $210,000 | $42,000 | $76,000 |
| American Indian or Alaskan Native | 2 | $155,000 | $77,000 | $96,000 | $54,000 | $54,000 |
| Asian | 2 | $151,000 | $75,000 | $101,000 | $198,000 | $332,000 |
| Black or African American | 1 | $53,000 | $53,000 | $53,000 | $105,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 284 | $27,281,000 | $96,000 | $445,000 | $76,000 | $706,000 |
| FHA-insured (Federal Housing Administration) | 3 | $359,000 | $119,000 | $134,000 | $44,000 | $65,000 |
| 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 | 243 | $23,403,000 | $96,000 | $417,000 | $78,000 | $706,000 |
| Application Denied By Financial Institution | 33 | $3,169,000 | $96,000 | $445,000 | $63,000 | $295,000 |
| Application Withdrawn By Applicant | 10 | $980,000 | $98,000 | $260,000 | $50,000 | $104,000 |
| Application Approved But Not Accepted | 1 | $88,000 | $88,000 | $88,000 | $40,000 | $40,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 18 | $1,483,000 | $82,000 | $139,000 | $53,000 | $112,000 |
| Debt-To-Income Ratio | 7 | $1,177,000 | $168,000 | $445,000 | $60,000 | $117,000 |
| Collateral | 4 | $242,000 | $60,000 | $96,000 | $149,000 | $295,000 |
| Other | 1 | $40,000 | $40,000 | $40,000 | $28,000 | $28,000 |
| Unverifiable Information | 1 | $49,000 | $49,000 | $49,000 | $17,000 | $17,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $25,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Campbell & Fetter Bank's 2007 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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