Applications / Mortgage Analytics / Lenders / Indiana / The Campbell & Fetter Bank
Kendallville, IN · State non-member bank · FDIC · $355 million assets · 164 loans in 2025
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164
loans originated, 2025
197
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Campbell & Fetter Bank, a northern Indiana lender reporting since 1990, made fewer loans in 2025 while similar lenders made more, but it gained ground in Elkhart-Goshen.
Its loans fell 9% to 164, while similar lenders (state non-member banks making between half and twice as many loans) grew by 10%, as did the whole market. Fewer than one in five of them grew more slowly. It still makes more loans than its peers' typical 141, and its dollar volume slipped from $46.5 million to $41.9 million.
Its share of lending in Elkhart-Goshen, IN rose to 1.6% from 1.2%, putting it 18 of 201 lenders; Interra Credit Union leads that market. The bank has lent there since 1990. It also gained a little ground in Niles, MI, a market it entered in 2016.
Its typical loan, $255,000, is larger than at about four in five similar lenders, whose typical loan is $175,000. Only 3.0% of its loans went to low- and moderate-income (LMI) tracts, against 17.5% at peers, and 16.6% to LMI borrowers, against 27.9%. Both shares have drifted down from 7.3% and 20.9% five years before. Larger loans tend to go to better-off buyers, which is one possible reason. Home purchases make up 63.4% of its lending, with 14.0% for other purposes.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Campbell & Fetter Bank took 197 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.4% · Refinance 17.1% · Other 14.0% · Home improvement 5.5%
Conventional 100.0% · of 164 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 150 | 91.5% |
| Michigan | 14 | 8.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elkhart-Goshen | 55 |
| South Bend-Mishawaka | 9 |
| Fort Wayne | 6 |
| Bloomington | 1 |
| Kalamazoo-Portage | 1 |
| Niles | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M20N1NQO7LMK11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 398248 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316757 | 1990–2017 |
Established 1 January 1863. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Campbell & Fetter Bank's data.
The Campbell & Fetter Bank's data
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