The Campbell & Fetter Bank Mortgage Lending & HMDA Data, 2006
In 2006, The Campbell & Fetter Bank of Kendallville, IN reported 322 mortgage applications totaling $33.1 million, down 13% from 2005. The average application was for $102,686, and applicants reported an average income of $81,602. 91% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Elkhart-Goshen, IN (44), Fort Wayne, IN (21) and Indianapolis-Carmel, 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 | 322 |
| Total Mortgage Loan Application Amount | $33,065,000 |
| Average Mortgage Loan Application Amount | $102,686 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $81,602 |
| Highest Applicant Income | $2,644,000 |
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records The Campbell & Fetter Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006
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 | 170 | $16,698,000 | $98,000 | $540,000 | $66,000 | $343,000 |
| Home Purchase | 115 | $13,222,000 | $114,000 | $600,000 | $101,000 | $2,644,000 |
| Home Improvement | 37 | $3,145,000 | $85,000 | $540,000 | $93,000 | $586,000 |
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 | 307 | $31,539,000 | $102,000 | $600,000 | $83,000 | $2,644,000 |
| Hispanic | 14 | $1,393,000 | $99,000 | $177,000 | $48,000 | $101,000 |
| Asian | 1 | $133,000 | $133,000 | $133,000 | $44,000 | $44,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 320 | $32,882,000 | $102,000 | $600,000 | $82,000 | $2,644,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $96,000 | $96,000 | $96,000 | $45,000 | $45,000 |
| VA-guaranteed (Veterans Administration) | 1 | $87,000 | $87,000 | $87,000 | $43,000 | $43,000 |
| FHA-insured (Federal Housing 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 | 292 | $29,767,000 | $101,000 | $600,000 | $84,000 | $2,644,000 |
| Application Withdrawn By Applicant | 17 | $2,177,000 | $128,000 | $265,000 | $66,000 | $140,000 |
| Application Denied By Financial Institution | 13 | $1,121,000 | $86,000 | $119,000 | $38,000 | $61,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $734,000 | $91,000 | $119,000 | $37,000 | $58,000 |
| Debt-To-Income Ratio | 2 | $119,000 | $59,000 | $85,000 | $15,000 | $19,000 |
| Collateral | 1 | $102,000 | $102,000 | $102,000 | $58,000 | $58,000 |
| Other | 1 | $103,000 | $103,000 | $103,000 | $57,000 | $57,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2006 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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