The Campbell & Fetter Bank Mortgage Rates, Fees & Info

Kendallville, IN

LEI: 549300M20N1NQO7LMK11

Tax ID: 35-0843168

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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, Elkhart, Auburn, Warsaw, and Angola among others. We have data for 8 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 an above average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    204

    Origination Dollar Volume (All Markets)

    $35,550,000

    Employee count

    68

    Top 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) 84 $14,100,000 $167,857 $0 0.00%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 36 $6,430,000 $178,611 $0 0.00%
    Auburn, IN (FHA|USDA|VA) 29 $4,485,000 $154,655 $0 0.00%
    Warsaw, IN (FHA|USDA|VA) 16 $3,040,000 $190,000 $0 0.00%
    Angola, IN (FHA|USDA|VA) 15 $2,885,000 $192,333 $0 0.00%
    Outside of Metro Areas 12 $2,520,000 $210,000 $0 0.00%
    FORT WAYNE, IN (FHA|USDA|VA) 11 $1,875,000 $170,455 $0 0.00%
    Plymouth, IN (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
    The Campbell & Fetter Bank's top markets include Kendallville, Elkhart, Auburn, Warsaw, and Angola among others.

    Their top states include:
  • Indiana (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 204 $35,550,000 $174,265 $0 0.00%

    For 2020, The Campbell & Fetter Bank's most frequently originated type of loan was Conventional, with 204 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 81 $15,195,000 $187,593 $0 0.00%
    Cash Out Refi 68 $12,690,000 $186,618 $0 0.00%
    Refi 41 $6,465,000 $157,683 $0 0.00%
    Other 8 $390,000 $48,750 $0 0.00%
    Home Improvement 6 $810,000 $135,000 $0 0.00%

    For 2020, The Campbell & Fetter Bank's most frequently cited loan purpose was Home Purchase, with 81 originations. The 2nd most popular reason was Cash Out Refi, with 68 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 204 $35,550,000 $174,265 $0 0.00%

    For 2020, The Campbell & Fetter Bank's most frequently cited loan duration was Other, with 204 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 91 $13,015,000 $143,022 $0 0.00%
    $200k-400k 60 $16,030,000 $267,167 $0 0.00%
    $100,000 or less 45 $2,735,000 $60,778 $0 0.00%
    $400k-600k 7 $3,015,000 $430,714 $0 0.00%
    $600k-1MM 1 $755,000 $755,000 $0 0.00%

    2020 saw The Campbell & Fetter Bank place emphasis on $100k-200k loans with 91 originations, totaling $13,015,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 59 $11,385,000 $192,966 $0 0.00%
    $50k-75k 44 $7,540,000 $171,364 $0 0.00%
    $100k-150k 38 $6,550,000 $172,368 $0 0.00%
    $50k or less 35 $3,755,000 $107,286 $0 0.00%
    $150k-250k 19 $4,005,000 $210,789 $0 0.00%
    $250k+ 6 $1,990,000 $331,667 $0 0.00%

    The Campbell & Fetter Bank lent most frequently to those with incomes in the $75k-100k range, with 59 originations. The second most popular income band? $50k-75k, with 44 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 204 $35,550,000 $174,265 $0 0.00%

    The Campbell & Fetter Bank lent most frequently to those with DTI ratios of Exempt%, with 204 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 195 $34,355,000 $176,179 $0 0.00%
    Not provided 6 $840,000 $140,000 $0 0.00%
    Asian 2 $270,000 $135,000 $0 0.00%
    American Indian 1 $85,000 $85,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    93.28%

    The Campbell & Fetter Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.18%

    The Campbell & Fetter Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 204 $35,550,000 $174,265

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 12 $1,450,000 $120,833
    Single Family (1-4 Units):Site-Built 192 $34,100,000 $177,604

    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 $33,013
    The Campbell & Fetter Bank 126 S. Orchard Street Kendallville, IN 46755 Full Service B&M $123,448
    The Campbell & Fetter Bank 135 East North Street Kendallville, IN 46755 Full Service B&M $12,035
    The Campbell & Fetter Bank 1440 North Wayne Street Angola, IN 46703 Full Service B&M $14,723
    The Campbell & Fetter Bank 2023 Lincolnway East Goshen, IN 46526 Full Service B&M $13,413
    The Campbell & Fetter Bank 304 South Orange Street Albion, IN 46701 Full Service B&M $42,010
    The Campbell & Fetter Bank 901 Lincolnway South Ligonier, IN 46767 Full Service B&M $22,145
    The Campbell & Fetter Bank U.S. Highway 30 And Center Street Warsaw, IN 46580 Full Service B&M $7,167

    For 2020, The Campbell & Fetter Bank had 8 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $9,722
    Net interest income $8,826
    Total noninterest income $855
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $302
    Trading account gains and fees $0
    Additional Noninterest Income $553
    Pre-tax net operating income $3,219
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,519
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,519
    Minority interest net income $0
    Net income $2,519
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,519

    The Campbell & Fetter Bank's gross interest income from loans was $9,722,000.
    The Campbell & Fetter Bank's net interest income from loans was $8,826,000.
    The Campbell & Fetter Bank's fee based income from loans was $302,000.
    The Campbell & Fetter Bank's net income from loans was $2,519,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $896
    Provision for credit losses $0
    Total noninterest expense $6,462
    Salaries and employee benefits $3,752
    Premises and equipment expense $1,137
    Additional noninterest expense $1,573
    Applicable income taxes $700
    Net charge-offs $-1
    Cash dividends $1,952

    The Campbell & Fetter Bank's interest expense for loans was $896,000.
    The Campbell & Fetter Bank's payroll and benefits expense were $3,752,000.
    The Campbell & Fetter Bank's property, plant and equipment expenses $1,137,000.

    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 $277,740
    Deposits held in domestic offices $277,740
    Deposits by Individuals, partnerships, and corporations $252,535
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $25,206
    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 $136,454
    Demand deposits $99,762
    Nontransaction accounts $141,287
    Money market deposit accounts (MMDAs) $27,010
    Other savings deposits (excluding MMDAs) $71,604
    Total time deposits $42,673
    Total time and savings deposits $177,979
    Noninterest-bearing deposits $99,762
    Interest-bearing deposits $177,978
    Retail deposits $272,885
    IRAs and Keogh plan accounts $13,100
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $351,877
    Cash & Balances due from depository institutions $84,980
    Interest-bearing balances $81,251
    Total securities $83,861
    Federal funds sold & reverse repurchase $0
    Net loans and leases $172,922
    Loan and leases loss allowance $1,640
    Trading account assets $0
    Bank premises and fixed assets $1,007
    Other real estate owned $0
    Goodwill and other intangibles $39
    All other assets $9,068

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $351,877
    Total Liabilities $320,665
    Total deposits $277,740
    Interest-bearing deposits $177,978
    Deposits held in domestic offices $277,740
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $38,208
    Trading liabilities $0
    Other borrowed funds $3,000
    Subordinated debt $0
    All other liabilities $1,717

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $172,922
    Loan and leases loss allowance $1,640
    Total loans and leases (domestic) $174,562
    All real estate loans $137,044
    Real estate loans in domestic offices $137,044
    Construction and development loans $2,179
    Residential 1-4 family construction $1,949
    Other construction, all land development and other land $230
    Loans secured by nonfarm nonresidential properties $5,232
    Nonfarm nonresidential secured by owner-occupied properties $3,127
    Commercial real estate & other non-farm, non-residential $2,105
    Multifamily residential real estate $57
    1-4 family residential loans $129,192
    Farmland loans $384
    Loans held in foreign offices $0
    Farm loans $589
    Commercial and industrial loans $17,730
    To non-U.S. addressees $0
    Loans to individuals $17,005
    Credit card loans $0
    Related Plans $78
    Consumer Auto Loans $13,497
    Other loans to individuals $3,430
    All other loans & leases $2,193
    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 $172,922,000 of loans outstanding in 2020. $137,044,000 of loans were in real estate loans. $2,179,000 of loans were in development loans. $57,000 of loans were in multifamily mortgage loans. $129,192,000 of loans were in 1-4 family mortgage loans. $589,000 of loans were in farm loans. $0 of loans were in credit card loans. $13,497,000 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 26 $5,232 $201,231
    Nonfarm, nonresidential loans - <$100k 26 $5,232 $201,231
    Commercial & Industrial, US addressed loans - <$1MM 228 $17,730 $77,763
    Commercial & Industrial, US addressed loans - <$100k 228 $17,730 $77,763
    Farmland loans - <$1MM 15 $384 $25,600
    Farmland loans - <$100k 15 $384 $25,600
    Agriculture operations loans - <$1MM 15 $589 $39,267
    Agriculture operations loans - <$100k 15 $589 $39,267