The Campbell & Fetter Bank Mortgage Lending & HMDA Data, 2022
In 2022, The Campbell & Fetter Bank of Kendallville, IN reported 196 mortgage applications totaling $34.6 million, down 30% from 2021. The average application was for $176,632, and applicants reported an average income of $118,382. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Elkhart-Goshen, IN (35), Fort Wayne, IN (8) and South Bend-Mishawaka, IN-MI (8) (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 | 196 |
| Total Mortgage Loan Application Amount | $34,620,000 |
| Average Mortgage Loan Application Amount | $176,632 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $118,382 |
| Highest Applicant Income | $1,231,000 |
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records The Campbell & Fetter Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 66 | $ 9,470,000 | $ 143,484 | $ 110,000 |
| Elkhart, Indiana | 35 | $ 6,415,000 | $ 183,285 | $ 95,000 |
| DeKalb, Indiana | 22 | $ 2,850,000 | $ 129,545 | $ 79,000 |
| LaGrange, Indiana | 17 | $ 3,625,000 | $ 213,235 | $ 141,000 |
| Steuben, Indiana | 16 | $ 2,510,000 | $ 156,875 | $ 184,000 |
| Kosciusko, Indiana | 12 | $ 2,060,000 | $ 171,666 | $ 118,000 |
| Cass, Michigan | 8 | $ 2,640,000 | $ 330,000 | $ 193,000 |
| Allen, Indiana | 7 | $ 2,055,000 | $ 293,571 | $ 151,000 |
| Marshall, Indiana | 3 | $ 805,000 | $ 268,333 | $ 98,000 |
| St. Joseph, Michigan | 3 | $ 465,000 | $ 155,000 | $ 93,000 |
| Fulton, Indiana | 2 | $ 490,000 | $ 245,000 | $ 140,000 |
| Pima, Arizona | 1 | $ 275,000 | $ 275,000 | $ 103,000 |
| Clark, Indiana | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Lake, Indiana | 1 | $ 305,000 | $ 305,000 | $ 113,000 |
| Marion, Indiana | 1 | $ 365,000 | $ 365,000 | $ 196,000 |
| Whitley, Indiana | 1 | $ 185,000 | $ 185,000 | $ 153,000 |
Mortgage Loan Application Detail Totals for The Campbell & Fetter Bank in 2022
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 | 109 | $24,165,000 | $221,000 | $805,000 | $135,000 | $1,231,000 |
| Cash-out Refinancing | 39 | $5,925,000 | $151,000 | $315,000 | $91,000 | $241,000 |
| Other Purpose | 19 | $1,865,000 | $98,000 | $305,000 | $105,000 | $416,000 |
| Home Improvement | 18 | $1,240,000 | $68,000 | $225,000 | $111,000 | $305,000 |
| Refinancing | 11 | $1,425,000 | $129,000 | $375,000 | $86,000 | $168,000 |
| 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 | 184 | $32,130,000 | $174,000 | $805,000 | $118,000 | $1,231,000 |
| Hispanic | 6 | $580,000 | $96,000 | $275,000 | $67,000 | $111,000 |
| Not Provided | 4 | $1,210,000 | $302,000 | $615,000 | $177,000 | $273,000 |
| Not applicable | 1 | $505,000 | $505,000 | $505,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $187,000 | $187,000 |
| Asian | 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) | 196 | $34,620,000 | $176,000 | $805,000 | $118,000 | $1,231,000 |
| 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 | 157 | $27,845,000 | $177,000 | $805,000 | $125,000 | $1,231,000 |
| Application Denied By Financial Institution | 19 | $2,305,000 | $121,000 | $335,000 | $68,000 | $223,000 |
| Application Withdrawn By Applicant | 19 | $4,385,000 | $230,000 | $615,000 | $111,000 | $273,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $126,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 196 | $34,620,000 | $176,000 | $805,000 | $118,000 | $1,231,000 |
| 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 2022 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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