The Campbell & Fetter Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
59th7.8% deniedProcesswithdrawn + incomplete share, weight 15%
62nd9.1%Closing coststotal loan costs ÷ loan amount, weight 10%
97th0.34% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 181 | 149 | 8.8% | 9.4% | 7.00% | $32M |
| 2024 | 208 | 180 | 3.9% | 4.2% | 6.50% | $47M |
| 2025 | 197 | 164 | 7.1% | 7.8% | 7.63% | $42M |
What The Campbell & Fetter Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 15 manufactured homes, 5 investment properties.
Who gets approved at The Campbell & Fetter Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 80 | 66 | 9.5% |
| $100k – $150k | 52 | 41 | 10.9% |
| $150k – $250k | 39 | 34 | 5.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 48 | 42 | 2.3% |
| 25–34 | 54 | 47 | 7.7% |
| 35–44 | 29 | 24 | 7.7% |
| 45–54 | 22 | 14 | 22.2% |
| 55–64 | 25 | 20 | 4.8% |
Where The Campbell & Fetter Bank lends
2 states and 17 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
The Campbell & Fetter Bank denied 7.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of small mortgage lenders.
The median interest rate on loans The Campbell & Fetter Bank originated in 2025 was 7.63%, and its median rate spread over the average prime offer rate was 1.16 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 63% of its applications were for home purchases, 18% for refinancing (including cash-out), and 19% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.