The Campbell & Fetter Bank Mortgage Lending & HMDA Data, 2003
In 2003, The Campbell & Fetter Bank of Kendallville, IN reported 832 mortgage applications totaling $83.3 million. The average application was for $100,158, and applicants reported an average income of $59,673. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Fort Wayne, IN (241), Elkhart-Goshen, IN (85) and Cincinnati, OH-KY-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 | 832 |
| Total Mortgage Loan Application Amount | $83,332,000 |
| Average Mortgage Loan Application Amount | $100,158 |
| Highest Mortgage Loan Application Amount | $444,000 |
| Average Applicant Income | $59,673 |
| Highest Applicant Income | $1,336,000 |
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records The Campbell & Fetter Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for The Campbell & Fetter Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 667 | $67,961,000 | $150,500 | $444,000 | $79,250 | $1,336,000 |
| Home Purchase (one-to-four family) | 150 | $14,809,000 | $98,000 | $400,000 | $66,000 | $848,000 |
| Home Improvement (one-to-four family) | 15 | $562,000 | $28,500 | $114,000 | $48,500 | $108,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 800 | $80,378,000 | $131,000 | $444,000 | $76,750 | $1,336,000 |
| Hispanic | 17 | $1,620,000 | $95,000 | $207,000 | $43,000 | $87,000 |
| Asian or Pacific Islander | 7 | $606,000 | $86,000 | $144,000 | $42,000 | $58,000 |
| American Indian or Alaskan Native | 4 | $219,000 | $54,000 | $94,000 | $37,000 | $48,000 |
| Other | 2 | $299,000 | $149,000 | $168,000 | $70,000 | $83,000 |
| Black | 1 | $64,000 | $64,000 | $64,000 | $48,000 | $48,000 |
| Information not provided by applicant in mail or telephone application | 1 | $146,000 | $146,000 | $146,000 | $85,000 | $85,000 |
| Not applicable | 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) | 832 | $83,332,000 | $129,000 | $444,000 | $73,250 | $1,336,000 |
| 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 | 713 | $72,524,000 | $184,666 | $444,000 | $97,333 | $1,336,000 |
| Application Denied By Financial Institution | 70 | $6,123,000 | $101,666 | $268,000 | $99,666 | $254,000 |
| Application Withdrawn By Applicant | 45 | $4,326,000 | $97,666 | $322,000 | $48,333 | $200,000 |
| Application Approved But Not Accepted | 3 | $279,000 | $93,000 | $97,000 | $38,000 | $62,000 |
| File Closed For Incompleteness | 1 | $80,000 | $80,000 | $80,000 | $22,000 | $22,000 |
| Loan Purchased By The 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 | 27 | $1,925,000 | $133,000 | $200,000 | $122,000 | $200,000 |
| Debt-To-Income Ratio | 19 | $1,909,000 | $100,000 | $217,000 | $31,000 | $69,000 |
| Other | 3 | $445,000 | $148,000 | $268,000 | $116,000 | $232,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $26,000 | $13,000 | $19,000 | $31,500 | $53,000 |
| Unverifiable Information | 1 | $68,000 | $68,000 | $68,000 | $52,000 | $52,000 |
| Employment History | 1 | $67,000 | $67,000 | $67,000 | $14,000 | $14,000 |
| Collateral | 1 | $192,000 | $192,000 | $192,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 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 2003 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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