The Campbell & Fetter Bank Mortgage Lending & HMDA Data, 2025
In 2025, The Campbell & Fetter Bank of Kendallville, IN reported 197 mortgage applications totaling $51.7 million, down 5% from 2024. The average application was for $262,309, and applicants reported an average income of $135,842. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Elkhart-Goshen, IN (60), South Bend-Mishawaka, IN-MI (10) and Fort Wayne, IN (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 | 197 |
| Total Mortgage Loan Application Amount | $51,675,000 |
| Average Mortgage Loan Application Amount | $262,309 |
| Highest Mortgage Loan Application Amount | $915,000 |
| Average Applicant Income | $135,842 |
| Highest Applicant Income | $1,343,000 |
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records The Campbell & Fetter Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 115 | $ 26,675,000 | $ 231,956 | $ 115,886 |
| Elkhart-Goshen, IN | 60 | $ 16,500,000 | $ 275,000 | $ 123,000 |
| South Bend-Mishawaka, IN-MI | 10 | $ 4,830,000 | $ 483,000 | $ 405,400 |
| Fort Wayne, IN | 8 | $ 1,830,000 | $ 228,750 | $ 94,000 |
| Kalamazoo-Portage, MI | 2 | $ 670,000 | $ 335,000 | $ 146,000 |
| Bloomington, IN | 1 | $ 305,000 | $ 305,000 | $ 162,000 |
| Niles-Benton Harbor, MI | 1 | $ 865,000 | $ 865,000 | $ 784,000 |
Mortgage Loan Application Detail Totals for The Campbell & Fetter Bank in 2025
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 | 124 | $37,420,000 | $301,000 | $915,000 | $141,000 | $784,000 |
| Other Purpose | 27 | $3,695,000 | $136,000 | $605,000 | $168,000 | $1,343,000 |
| Cash-out Refinancing | 25 | $6,365,000 | $254,000 | $665,000 | $109,000 | $268,000 |
| Refinancing | 11 | $3,235,000 | $294,000 | $495,000 | $96,000 | $170,000 |
| Home Improvement | 10 | $960,000 | $96,000 | $415,000 | $96,000 | $198,000 |
| 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 | 188 | $49,680,000 | $264,000 | $865,000 | $134,000 | $1,343,000 |
| Hispanic | 5 | $345,000 | $69,000 | $145,000 | $85,000 | $108,000 |
| Asian | 2 | $1,270,000 | $635,000 | $915,000 | $413,000 | $441,000 |
| Not applicable | 1 | $175,000 | $175,000 | $175,000 | $0 | $0 |
| Not Provided | 1 | $205,000 | $205,000 | $205,000 | $157,000 | $157,000 |
| 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) | 197 | $51,675,000 | $262,000 | $915,000 | $136,000 | $1,343,000 |
| 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 | 164 | $41,880,000 | $255,000 | $915,000 | $136,000 | $1,343,000 |
| Application Withdrawn By Applicant | 18 | $5,170,000 | $287,000 | $795,000 | $169,000 | $605,000 |
| Application Denied By Financial Institution | 14 | $4,370,000 | $312,000 | $605,000 | $103,000 | $166,000 |
| Application Approved But Not Accepted | 1 | $255,000 | $255,000 | $255,000 | $58,000 | $58,000 |
| 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 | 193 | $51,025,000 | $264,000 | $915,000 | $137,000 | $1,343,000 |
| Not applicable | 4 | $650,000 | $162,000 | $255,000 | $75,000 | $104,000 |
| 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 2025 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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