The Campbell & Fetter Bank Mortgage Lending & HMDA Data, 2009
In 2009, The Campbell & Fetter Bank of Kendallville, IN reported 343 mortgage applications totaling $34.2 million, up 39% from 2008. The average application was for $99,629, and applicants reported an average income of $75,104. 83% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Elkhart-Goshen, IN (52), 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 | 343 |
| Total Mortgage Loan Application Amount | $34,173,000 |
| Average Mortgage Loan Application Amount | $99,629 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $75,104 |
| Highest Applicant Income | $519,000 |
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records The Campbell & Fetter Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 248 | $26,375,000 | $106,000 | $350,000 | $74,000 | $432,000 |
| Home Purchase | 63 | $5,740,000 | $91,000 | $307,000 | $79,000 | $519,000 |
| Home Improvement | 32 | $2,058,000 | $64,000 | $304,000 | $76,000 | $294,000 |
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 | 330 | $33,193,000 | $100,000 | $350,000 | $76,000 | $519,000 |
| Hispanic | 10 | $778,000 | $77,000 | $169,000 | $46,000 | $71,000 |
| Not applicable | 2 | $136,000 | $68,000 | $90,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $66,000 | $66,000 | $66,000 | $55,000 | $55,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 333 | $32,988,000 | $99,000 | $350,000 | $76,000 | $519,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,185,000 | $118,000 | $193,000 | $54,000 | $111,000 |
| 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 | 286 | $27,911,000 | $97,000 | $350,000 | $75,000 | $432,000 |
| Application Denied By Financial Institution | 36 | $3,659,000 | $101,000 | $270,000 | $56,000 | $202,000 |
| Application Withdrawn By Applicant | 21 | $2,603,000 | $123,000 | $259,000 | $105,000 | $519,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 12 | $953,000 | $79,000 | $225,000 | $47,000 | $127,000 |
| Collateral | 12 | $1,352,000 | $112,000 | $270,000 | $69,000 | $202,000 |
| Debt-To-Income Ratio | 8 | $771,000 | $96,000 | $185,000 | $39,000 | $115,000 |
| Employment History | 2 | $256,000 | $128,000 | $166,000 | $60,000 | $61,000 |
| Other | 2 | $327,000 | $163,000 | $193,000 | $98,000 | $111,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2009 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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