Petefish, Skiles, & Company Bank Mortgage Lending & HMDA Data, 2003
In 2003, Petefish, Skiles, & Company Bank of Virginia, IL reported 128 mortgage applications totaling $7.6 million. The average application was for $59,429, and applicants reported an average income of $50,203. 88% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Springfield, IL (59), Peoria-Pekin, IL (1) and Phoenix-Mesa, AZ (1) (applications in parentheses).
| Mortgage Company & Address | Petefish, Skiles, & Company Bank 102 W. Beardstown St. Virginia, IL 62691 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 | 128 |
| Total Mortgage Loan Application Amount | $7,607,000 |
| Average Mortgage Loan Application Amount | $59,429 |
| Highest Mortgage Loan Application Amount | $235,000 |
| Average Applicant Income | $50,203 |
| Highest Applicant Income | $150,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Petefish, Skiles, & Company Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cass, Illinois | 51 | $ 2,709,000 | $ 53,117 | $ 53,000 |
| Menard, Illinois | 48 | $ 3,049,000 | $ 63,520 | $ 47,000 |
| Sangamon, Illinois | 11 | $ 648,000 | $ 58,909 | $ 45,000 |
| Morgan, Illinois | 6 | $ 132,000 | $ 22,000 | $ 20,000 |
| Fulton, Illinois | 2 | $ 144,000 | $ 72,000 | $ 62,000 |
| Maricopa, Arizona | 1 | $ 98,000 | $ 98,000 | $ 63,000 |
| Coles, Illinois | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Hancock, Illinois | 1 | $ 49,000 | $ 49,000 | $ 32,000 |
| Logan, Illinois | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| McDonough, Illinois | 1 | $ 104,000 | $ 104,000 | $ 35,000 |
| Pike, Illinois | 1 | $ 51,000 | $ 51,000 | $ 34,000 |
| Schuyler, Illinois | 1 | $ 63,000 | $ 63,000 | $ 60,000 |
| Tazewell, Illinois | 1 | $ 59,000 | $ 59,000 | $ 66,000 |
| Camden, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Petefish, Skiles, & Company Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 70 | $4,608,000 | $129,500 | $196,000 | $71,000 | $144,000 |
| Home Purchase (one-to-four family) | 43 | $2,700,000 | $130,000 | $235,000 | $60,333 | $150,000 |
| Home Improvement (one-to-four family) | 13 | $218,000 | $16,000 | $67,000 | $43,000 | $85,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 2 | $81,000 | $40,000 | $41,000 | $0 | $0 |
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 | 124 | $7,370,000 | $146,250 | $235,000 | $67,500 | $150,000 |
| Information not provided by applicant in mail or telephone application | 2 | $78,000 | $39,000 | $50,000 | $68,000 | $78,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $45,000 | $45,000 |
| Other | 1 | $104,000 | $104,000 | $104,000 | $35,000 | $35,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 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) | 128 | $7,607,000 | $146,250 | $235,000 | $67,750 | $150,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 113 | $6,576,000 | $129,666 | $235,000 | $62,666 | $150,000 |
| Application Denied By Financial Institution | 12 | $784,000 | $124,500 | $196,000 | $60,500 | $84,000 |
| Application Withdrawn By Applicant | 3 | $247,000 | $82,000 | $130,000 | $72,000 | $118,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $196,000 | $196,000 | $196,000 | $84,000 | $84,000 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Petefish, Skiles, & Company Bank's 2003 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 Petefish, Skiles, & Company 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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