The Campbell & Fetter Bank Mortgage Lending & HMDA Data, 2021
In 2021, The Campbell & Fetter Bank of Kendallville, IN reported 279 mortgage applications totaling $49.7 million, up 17% from 2020. The average application was for $178,261, and applicants reported an average income of $90,498. 85% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Elkhart-Goshen, IN (48), Fort Wayne, IN (13) and Indianapolis-Carmel-Anderson, 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 | 279 |
| Total Mortgage Loan Application Amount | $49,735,000 |
| Average Mortgage Loan Application Amount | $178,261 |
| Highest Mortgage Loan Application Amount | $665,000 |
| Average Applicant Income | $90,498 |
| Highest Applicant Income | $458,000 |
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records The Campbell & Fetter Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 113 | $ 16,895,000 | $ 149,513 | $ 81,000 |
| Elkhart, Indiana | 48 | $ 9,760,000 | $ 203,333 | $ 87,000 |
| DeKalb, Indiana | 26 | $ 3,940,000 | $ 151,538 | $ 82,000 |
| Kosciusko, Indiana | 25 | $ 4,065,000 | $ 162,600 | $ 87,000 |
| Steuben, Indiana | 22 | $ 3,880,000 | $ 176,363 | $ 126,000 |
| LaGrange, Indiana | 21 | $ 5,735,000 | $ 273,095 | $ 87,000 |
| Allen, Indiana | 10 | $ 2,480,000 | $ 248,000 | $ 137,000 |
| Marshall, Indiana | 4 | $ 690,000 | $ 172,500 | $ 80,000 |
| Whitley, Indiana | 3 | $ 415,000 | $ 138,333 | $ 91,000 |
| Delaware, Indiana | 2 | $ 550,000 | $ 275,000 | $ 259,000 |
| Hamilton, Indiana | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Marion, Indiana | 1 | $ 175,000 | $ 175,000 | $ 106,000 |
| Hillsdale, Michigan | 1 | $ 425,000 | $ 425,000 | $ 219,000 |
| St. Joseph, Michigan | 1 | $ 375,000 | $ 375,000 | $ 80,000 |
| Clark, Nevada | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for The Campbell & Fetter Bank in 2021
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 105 | $21,325,000 | $203,000 | $475,000 | $87,000 | $458,000 |
| Cash-out Refinancing | 99 | $17,025,000 | $171,000 | $455,000 | $95,000 | $261,000 |
| Refinancing | 50 | $9,570,000 | $191,000 | $665,000 | $93,000 | $227,000 |
| Other Purpose | 13 | $1,245,000 | $95,000 | $285,000 | $79,000 | $153,000 |
| Home Improvement | 12 | $570,000 | $47,000 | $155,000 | $86,000 | $163,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 268 | $48,430,000 | $180,000 | $665,000 | $91,000 | $458,000 |
| Not Provided | 5 | $505,000 | $101,000 | $165,000 | $45,000 | $85,000 |
| Hispanic | 5 | $565,000 | $113,000 | $195,000 | $101,000 | $153,000 |
| Not applicable | 1 | $235,000 | $235,000 | $235,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 279 | $49,735,000 | $178,000 | $665,000 | $91,000 | $458,000 |
| 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 | 236 | $41,720,000 | $176,000 | $665,000 | $92,000 | $458,000 |
| Application Withdrawn By Applicant | 21 | $4,775,000 | $227,000 | $475,000 | $102,000 | $257,000 |
| Application Denied By Financial Institution | 19 | $2,385,000 | $125,000 | $405,000 | $59,000 | $138,000 |
| Application Approved But Not Accepted | 2 | $540,000 | $270,000 | $315,000 | $99,000 | $108,000 |
| File Closed For Incompleteness | 1 | $315,000 | $315,000 | $315,000 | $78,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 279 | $49,735,000 | $178,000 | $665,000 | $91,000 | $458,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Campbell & Fetter Bank's 2021 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.
For a list of all lenders in Indiana, download the full spreadsheet
with aggregated HMDA statistics today.
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