The Campbell & Fetter Bank Mortgage Rates, Fees & Info
Kendallville, INLEI: 549300M20N1NQO7LMK11
Tax ID: 35-0843168
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Mortgage Data
Bank Data
Review & Overview
The Campbell & Fetter Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. The Campbell & Fetter Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kendallville, Auburn, Elkhart, Warsaw, and Fort Wayne among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)The Campbell & Fetter Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
201Origination Dollar Volume (All Markets)
$23,865,000Employee count
69Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Kendallville, IN (FHA|USDA|VA) | 78 | $7,770,000 | $99,615 | $0 | 0.00% |
| Auburn, IN (FHA|USDA|VA) | 35 | $4,155,000 | $118,714 | $0 | 0.00% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 22 | $3,010,000 | $136,818 | $0 | 0.00% |
| Warsaw, IN (FHA|USDA|VA) | 19 | $2,415,000 | $127,105 | $0 | 0.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 14 | $1,900,000 | $135,714 | $0 | 0.00% |
| Outside of Metro Areas | 14 | $1,550,000 | $110,714 | $0 | 0.00% |
| Angola, IN (FHA|USDA|VA) | 11 | $1,335,000 | $121,364 | $0 | 0.00% |
| Plymouth, IN (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $0 | 0.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $0 | 0.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Defiance, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 201 | $23,865,000 | $118,731 | $0 | 0.00% |
For 2018, The Campbell & Fetter Bank's most frequently originated type of loan was Conventional, with 201 originations.
Loan Reason
For 2018, The Campbell & Fetter Bank's most frequently cited loan purpose was Home Purchase, with 121 originations. The 2nd most popular reason was Cash Out Refi, with 44 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 201 | $23,865,000 | $118,731 | $0 | 0.00% |
For 2018, The Campbell & Fetter Bank's most frequently cited loan duration was Other, with 201 originations.
Loan Sizing
2018 saw The Campbell & Fetter Bank place emphasis on $100,000 or less loans with 102 originations, totaling $5,430,000 in origination value.
Applicant Income
The Campbell & Fetter Bank lent most frequently to those with incomes in the $50k-75k range, with 58 originations. The second most popular income band? $50k or less, with 46 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 201 | $23,865,000 | $118,731 | $0 | 0.00% |
The Campbell & Fetter Bank lent most frequently to those with DTI ratios of Exempt%, with 201 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.42%
The Campbell & Fetter Bank has an average approval rate.
Pick Rate
Approvals leading to origination87.56%
The Campbell & Fetter Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 201 | $23,865,000 | $118,731 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 15 | $1,195,000 | $79,667 |
| Single Family (1-4 Units):Site-Built | 186 | $22,670,000 | $121,882 |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| The Campbell & Fetter Bank | 1001 West Seventh Street Auburn, IN 46706 | Full Service B&M | $30,148 |
| The Campbell & Fetter Bank | 126 S. Orchard Street Kendallville, IN 46755 | Full Service B&M | $94,448 |
| The Campbell & Fetter Bank | 135 East North Street Kendallville, IN 46755 | Full Service B&M | $10,505 |
| The Campbell & Fetter Bank | 1440 North Wayne Street Angola, IN 46703 | Full Service B&M | $12,065 |
| The Campbell & Fetter Bank | 2023 Lincolnway East Goshen, IN 46526 | Full Service B&M | $12,316 |
| The Campbell & Fetter Bank | 304 South Orange Street Albion, IN 46701 | Full Service B&M | $42,646 |
| The Campbell & Fetter Bank | 901 Lincolnway South Ligonier, IN 46767 | Full Service B&M | $19,508 |
| The Campbell & Fetter Bank | U.S. Highway 30 And Center Street Warsaw, IN 46580 | Full Service B&M | $8,148 |
For 2018, The Campbell & Fetter Bank had 8 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $10,447 |
| Net interest income | $8,857 |
| Total noninterest income | $900 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $390 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $510 |
| Pre-tax net operating income | $3,277 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $2,662 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $2,662 |
| Minority interest net income | $0 |
| Net income | $2,662 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $2,662 |
The Campbell & Fetter Bank's gross interest income from loans was $10,447,000.
The Campbell & Fetter Bank's net interest income from loans was $8,857,000.
The Campbell & Fetter Bank's fee based income from loans was $390,000.
The Campbell & Fetter Bank's net income from loans was $2,662,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,590 |
| Provision for credit losses | $0 |
| Total noninterest expense | $6,480 |
| Salaries and employee benefits | $3,884 |
| Premises and equipment expense | $1,197 |
| Additional noninterest expense | $1,399 |
| Applicable income taxes | $615 |
| Net charge-offs | $16 |
| Cash dividends | $1,757 |
The Campbell & Fetter Bank's interest expense for loans was $1,590,000.
The Campbell & Fetter Bank's payroll and benefits expense were $3,884,000.
The Campbell & Fetter Bank's property, plant and equipment expenses $1,197,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $216,453 |
| Deposits held in domestic offices | $216,453 |
| Deposits by Individuals, partnerships, and corporations | $205,356 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $11,097 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $93,127 |
| Demand deposits | $60,650 |
| Nontransaction accounts | $123,326 |
| Money market deposit accounts (MMDAs) | $23,620 |
| Other savings deposits (excluding MMDAs) | $54,212 |
| Total time deposits | $45,493 |
| Total time and savings deposits | $155,803 |
| Noninterest-bearing deposits | $60,650 |
| Interest-bearing deposits | $155,803 |
| Retail deposits | $211,924 |
| IRAs and Keogh plan accounts | $12,701 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $321,716 |
| Cash & Balances due from depository institutions | $24,374 |
| Interest-bearing balances | $22,250 |
| Total securities | $106,017 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $180,490 |
| Loan and leases loss allowance | $1,659 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,016 |
| Other real estate owned | $40 |
| Goodwill and other intangibles | $58 |
| All other assets | $9,721 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $321,717 |
| Total Liabilities | $292,350 |
| Total deposits | $216,453 |
| Interest-bearing deposits | $155,803 |
| Deposits held in domestic offices | $216,453 |
| % insured (estimated) | $91 |
| Federal funds purchased and repurchase agreements | $53,754 |
| Trading liabilities | $0 |
| Other borrowed funds | $21,000 |
| Subordinated debt | $0 |
| All other liabilities | $1,143 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $180,490 |
| Loan and leases loss allowance | $1,659 |
| Total loans and leases (domestic) | $182,149 |
| All real estate loans | $142,272 |
| Real estate loans in domestic offices | $142,272 |
| Construction and development loans | $2,213 |
| Residential 1-4 family construction | $1,959 |
| Other construction, all land development and other land | $254 |
| Loans secured by nonfarm nonresidential properties | $3,807 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,041 |
| Commercial real estate & other non-farm, non-residential | $2,766 |
| Multifamily residential real estate | $90 |
| 1-4 family residential loans | $135,526 |
| Farmland loans | $636 |
| Loans held in foreign offices | $0 |
| Farm loans | $884 |
| Commercial and industrial loans | $14,787 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $20,952 |
| Credit card loans | $0 |
| Related Plans | $110 |
| Consumer Auto Loans | $16,114 |
| Other loans to individuals | $4,728 |
| All other loans & leases | $3,255 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
The Campbell & Fetter Bank had $180,490,000 of loans outstanding in 2018. $142,272,000 of loans were in real estate loans. $2,213,000 of loans were in development loans. $90,000 of loans were in multifamily mortgage loans. $135,526,000 of loans were in 1-4 family mortgage loans. $884,000 of loans were in farm loans. $0 of loans were in credit card loans. $16,114,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 28 | $3,807 | $135,964 |
| Nonfarm, nonresidential loans - <$100k | 28 | $3,807 | $135,964 |
| Commercial & Industrial, US addressed loans - <$1MM | 202 | $14,787 | $73,203 |
| Commercial & Industrial, US addressed loans - <$100k | 202 | $14,787 | $73,203 |
| Farmland loans - <$1MM | 20 | $636 | $31,800 |
| Farmland loans - <$100k | 20 | $636 | $31,800 |
| Agriculture operations loans - <$1MM | 20 | $884 | $44,200 |
| Agriculture operations loans - <$100k | 20 | $884 | $44,200 |