The Campbell & Fetter Bank Mortgage Lending & HMDA Data, 2024
In 2024, The Campbell & Fetter Bank of Kendallville, IN reported 208 mortgage applications totaling $51.1 million, up 15% from 2023. The average application was for $245,576, and applicants reported an average income of $128,153. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Elkhart-Goshen, IN (43), South Bend-Mishawaka, IN-MI (15) and Fort Wayne, IN (13) (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 | 208 |
| Total Mortgage Loan Application Amount | $51,080,000 |
| Average Mortgage Loan Application Amount | $245,576 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $128,153 |
| Highest Applicant Income | $871,000 |
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records The Campbell & Fetter Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 47 | $ 7,095,000 | $ 150,957 | $ 97,000 |
| Elkhart, Indiana | 43 | $ 10,305,000 | $ 239,651 | $ 94,000 |
| LaGrange, Indiana | 42 | $ 12,630,000 | $ 300,714 | $ 128,000 |
| DeKalb, Indiana | 13 | $ 2,395,000 | $ 184,230 | $ 192,000 |
| Allen, Indiana | 12 | $ 2,550,000 | $ 212,500 | $ 155,000 |
| Cass, Michigan | 12 | $ 4,790,000 | $ 399,166 | $ 255,000 |
| Steuben, Indiana | 11 | $ 3,745,000 | $ 340,454 | $ 187,000 |
| Kosciusko, Indiana | 7 | $ 1,785,000 | $ 255,000 | $ 109,000 |
| Marshall, Indiana | 7 | $ 1,395,000 | $ 199,285 | $ 65,000 |
| St. Joseph, Michigan | 5 | $ 1,775,000 | $ 355,000 | $ 121,000 |
| St. Joseph, Indiana | 3 | $ 445,000 | $ 148,333 | $ 58,000 |
| Adams, Indiana | 1 | $ 515,000 | $ 515,000 | $ 212,000 |
| Marion, Indiana | 1 | $ 225,000 | $ 225,000 | $ 203,000 |
| Whitley, Indiana | 1 | $ 35,000 | $ 35,000 | $ 279,000 |
| Defiance, Ohio | 1 | $ 305,000 | $ 305,000 | $ 93,000 |
| Delaware, Ohio | 1 | $ 485,000 | $ 485,000 | $ 233,000 |
| Ozaukee, Wisconsin | 1 | $ 605,000 | $ 605,000 | $ 195,000 |
Mortgage Loan Application Detail Totals for The Campbell & Fetter Bank in 2024
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 | 141 | $42,115,000 | $298,000 | $1,005,000 | $129,000 | $666,000 |
| Cash-out Refinancing | 23 | $4,405,000 | $191,000 | $375,000 | $129,000 | $433,000 |
| Other Purpose | 19 | $1,225,000 | $64,000 | $215,000 | $145,000 | $871,000 |
| Home Improvement | 16 | $1,290,000 | $80,000 | $325,000 | $90,000 | $220,000 |
| Refinancing | 9 | $2,045,000 | $227,000 | $525,000 | $145,000 | $611,000 |
| 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 | 192 | $48,850,000 | $254,000 | $1,005,000 | $128,000 | $666,000 |
| Hispanic | 10 | $1,170,000 | $117,000 | $245,000 | $75,000 | $115,000 |
| Not Provided | 5 | $945,000 | $189,000 | $305,000 | $256,000 | $871,000 |
| Black or African American | 1 | $115,000 | $115,000 | $115,000 | $46,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 208 | $51,080,000 | $245,000 | $1,005,000 | $128,000 | $871,000 |
| 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 | 180 | $46,550,000 | $258,000 | $1,005,000 | $132,000 | $871,000 |
| Application Withdrawn By Applicant | 17 | $2,975,000 | $175,000 | $375,000 | $97,000 | $245,000 |
| Application Denied By Financial Institution | 8 | $950,000 | $118,000 | $325,000 | $90,000 | $126,000 |
| Application Approved But Not Accepted | 3 | $605,000 | $201,000 | $245,000 | $161,000 | $337,000 |
| 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 | 204 | $50,240,000 | $246,000 | $1,005,000 | $128,000 | $871,000 |
| Not applicable | 4 | $840,000 | $210,000 | $255,000 | $134,000 | $322,000 |
| 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 |
| 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 2024 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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