Petefish, Skiles, & Company Bank Mortgage Lending & HMDA Data, 2019
In 2019, Petefish, Skiles, & Company Bank of Virginia, IL reported 668 mortgage applications totaling $87.5 million, up 30% from 2018. The average application was for $130,913, and applicants reported an average income of $81,612. 72% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Springfield, IL (83), Peoria, IL (26) and St. Louis, MO-IL (25) (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 | 668 |
| Total Mortgage Loan Application Amount | $87,450,000 |
| Average Mortgage Loan Application Amount | $130,913 |
| Highest Mortgage Loan Application Amount | $1,025,000 |
| Average Applicant Income | $81,612 |
| Highest Applicant Income | $534,000 |
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Petefish, Skiles, & Company Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Effingham, Illinois | 132 | $ 22,740,000 | $ 172,272 | $ 83,000 |
| Cass, Illinois | 65 | $ 4,965,000 | $ 76,384 | $ 71,000 |
| Menard, Illinois | 56 | $ 7,350,000 | $ 131,250 | $ 73,000 |
| Mason, Illinois | 42 | $ 3,020,000 | $ 71,904 | $ 69,000 |
| Ford, Illinois | 39 | $ 4,965,000 | $ 127,307 | $ 75,000 |
| Iroquois, Illinois | 34 | $ 4,850,000 | $ 142,647 | $ 79,000 |
| Fayette, Illinois | 28 | $ 3,780,000 | $ 135,000 | $ 72,000 |
| Sangamon, Illinois | 27 | $ 2,855,000 | $ 105,740 | $ 79,000 |
| Morgan, Illinois | 26 | $ 2,160,000 | $ 83,076 | $ 104,000 |
| Shelby, Illinois | 24 | $ 3,550,000 | $ 147,916 | $ 73,000 |
| Moultrie, Illinois | 22 | $ 2,610,000 | $ 118,636 | $ 85,000 |
| Tazewell, Illinois | 21 | $ 3,135,000 | $ 149,285 | $ 107,000 |
| Bond, Illinois | 16 | $ 2,480,000 | $ 155,000 | $ 78,000 |
| Cumberland, Illinois | 13 | $ 2,195,000 | $ 168,846 | $ 88,000 |
| Champaign, Illinois | 11 | $ 2,085,000 | $ 189,545 | $ 88,000 |
| Richland, Illinois | 11 | $ 1,445,000 | $ 131,363 | $ 87,000 |
| Schuyler, Illinois | 10 | $ 750,000 | $ 75,000 | $ 79,000 |
| Scott, Illinois | 9 | $ 725,000 | $ 80,555 | $ 72,000 |
| Jasper, Illinois | 7 | $ 935,000 | $ 133,571 | $ 107,000 |
| Logan, Illinois | 6 | $ 650,000 | $ 108,333 | $ 59,000 |
| Marion, Illinois | 6 | $ 760,000 | $ 126,666 | $ 82,000 |
| Fulton, Illinois | 5 | $ 535,000 | $ 107,000 | $ 46,000 |
| Clay, Illinois | 4 | $ 410,000 | $ 102,500 | $ 99,000 |
| Clinton, Illinois | 4 | $ 440,000 | $ 110,000 | $ 68,000 |
| McLean, Illinois | 4 | $ 800,000 | $ 200,000 | $ 123,000 |
| Vermilion, Illinois | 4 | $ 520,000 | $ 130,000 | $ 124,000 |
| Coles, Illinois | 3 | $ 325,000 | $ 108,333 | $ 54,000 |
| Lawrence, Illinois | 3 | $ 205,000 | $ 68,333 | $ 55,000 |
| Cook, Illinois | 2 | $ 660,000 | $ 330,000 | $ 267,000 |
| Crawford, Illinois | 2 | $ 220,000 | $ 110,000 | $ 87,000 |
| Edwards, Illinois | 2 | $ 410,000 | $ 205,000 | $ 153,000 |
| Madison, Illinois | 2 | $ 390,000 | $ 195,000 | $ 168,000 |
| Piatt, Illinois | 2 | $ 530,000 | $ 265,000 | $ 197,000 |
| Pike, Illinois | 2 | $ 110,000 | $ 55,000 | $ 64,000 |
| White, Illinois | 2 | $ 330,000 | $ 165,000 | $ 79,000 |
| Williamson, Illinois | 2 | $ 160,000 | $ 80,000 | $ 84,000 |
| Lake, Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lee, Florida | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Christian, Illinois | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| De Witt, Illinois | 1 | $ 345,000 | $ 345,000 | $ 122,000 |
| Douglas, Illinois | 1 | $ 125,000 | $ 125,000 | $ 138,000 |
| Edgar, Illinois | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Greene, Illinois | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Jersey, Illinois | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Livingston, Illinois | 1 | $ 195,000 | $ 195,000 | $ 81,000 |
| Macon, Illinois | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Macoupin, Illinois | 1 | $ 125,000 | $ 125,000 | $ 82,000 |
| Rock Island, Illinois | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| St. Clair, Illinois | 1 | $ 125,000 | $ 125,000 | $ 138,000 |
| Wayne, Illinois | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Will, Illinois | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Muskegon, Michigan | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Cannon, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Loudoun, Virginia | 1 | $ 1,025,000 | $ 1,025,000 | $ 469,000 |
| Adams, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Milwaukee, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Petefish, Skiles, & Company Bank in 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 371 | $44,065,000 | $118,000 | $1,025,000 | $75,000 | $534,000 |
| Refinancing | 188 | $31,840,000 | $169,000 | $485,000 | $96,000 | $534,000 |
| Cash-out Refinancing | 85 | $10,055,000 | $118,000 | $365,000 | $76,000 | $223,000 |
| Other Purpose | 16 | $780,000 | $48,000 | $165,000 | $59,000 | $131,000 |
| Home Improvement | 8 | $710,000 | $88,000 | $255,000 | $155,000 | $273,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 647 | $85,365,000 | $131,000 | $1,025,000 | $83,000 | $534,000 |
| Not applicable | 6 | $490,000 | $81,000 | $165,000 | $0 | $0 |
| Hispanic | 6 | $550,000 | $91,000 | $215,000 | $62,000 | $110,000 |
| Asian | 3 | $265,000 | $88,000 | $115,000 | $38,000 | $44,000 |
| Black or African American | 3 | $325,000 | $108,000 | $145,000 | $52,000 | $70,000 |
| Not Provided | 3 | $455,000 | $151,000 | $305,000 | $77,000 | $107,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 563 | $78,145,000 | $138,000 | $1,025,000 | $87,000 | $534,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 105 | $9,305,000 | $88,000 | $235,000 | $47,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 483 | $66,965,000 | $138,000 | $1,025,000 | $85,000 | $534,000 |
| Application Denied By Financial Institution | 112 | $11,150,000 | $99,000 | $275,000 | $45,000 | $120,000 |
| Application Approved But Not Accepted | 72 | $9,290,000 | $129,000 | $445,000 | $75,000 | $215,000 |
| Application Withdrawn By Applicant | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 668 | $87,450,000 | $130,000 | $1,025,000 | $82,000 | $534,000 |
| 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 |
| Not applicable | 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 2019 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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