Petefish, Skiles, & Company Bank Mortgage Lending & HMDA Data, 2020
In 2020, Petefish, Skiles, & Company Bank of Virginia, IL reported 1,573 mortgage applications totaling $240.2 million, up 135% from 2019. The average application was for $152,679, and applicants reported an average income of $94,937. 80% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Springfield, IL (189), St. Louis, MO-IL (63) and Peoria, IL (60) (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 | 1,573 |
| Total Mortgage Loan Application Amount | $240,165,000 |
| Average Mortgage Loan Application Amount | $152,679 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $94,937 |
| Highest Applicant Income | $850,000 |
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Petefish, Skiles, & Company Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 302 | $ 53,450,000 | $ 176,986 | $ 99,000 |
| Menard, Illinois | 128 | $ 21,800,000 | $ 170,312 | $ 110,000 |
| Ford, Illinois | 126 | $ 18,660,000 | $ 148,095 | $ 106,000 |
| Cass, Illinois | 121 | $ 12,995,000 | $ 107,396 | $ 85,000 |
| Fayette, Illinois | 108 | $ 14,770,000 | $ 136,759 | $ 82,000 |
| Iroquois, Illinois | 83 | $ 12,775,000 | $ 153,915 | $ 90,000 |
| Sangamon, Illinois | 61 | $ 9,815,000 | $ 160,901 | $ 107,000 |
| Shelby, Illinois | 59 | $ 8,445,000 | $ 143,135 | $ 77,000 |
| Moultrie, Illinois | 53 | $ 7,595,000 | $ 143,301 | $ 94,000 |
| Mason, Illinois | 51 | $ 4,695,000 | $ 92,058 | $ 72,000 |
| Tazewell, Illinois | 49 | $ 8,545,000 | $ 174,387 | $ 94,000 |
| Cumberland, Illinois | 42 | $ 7,590,000 | $ 180,714 | $ 98,000 |
| Bond, Illinois | 39 | $ 6,095,000 | $ 156,282 | $ 87,000 |
| Richland, Illinois | 37 | $ 4,865,000 | $ 131,486 | $ 86,000 |
| Morgan, Illinois | 32 | $ 3,520,000 | $ 110,000 | $ 83,000 |
| Scott, Illinois | 32 | $ 3,550,000 | $ 110,937 | $ 83,000 |
| Champaign, Illinois | 26 | $ 5,040,000 | $ 193,846 | $ 99,000 |
| Marion, Illinois | 20 | $ 2,200,000 | $ 110,000 | $ 66,000 |
| Schuyler, Illinois | 20 | $ 2,450,000 | $ 122,500 | $ 91,000 |
| Jasper, Illinois | 15 | $ 2,145,000 | $ 143,000 | $ 86,000 |
| Coles, Illinois | 14 | $ 1,680,000 | $ 120,000 | $ 81,000 |
| Logan, Illinois | 12 | $ 1,850,000 | $ 154,166 | $ 82,000 |
| Clay, Illinois | 11 | $ 1,895,000 | $ 172,272 | $ 102,000 |
| Lawrence, Illinois | 11 | $ 1,155,000 | $ 105,000 | $ 92,000 |
| Madison, Illinois | 10 | $ 2,510,000 | $ 251,000 | $ 143,000 |
| Edwards, Illinois | 8 | $ 1,630,000 | $ 203,750 | $ 106,000 |
| Vermilion, Illinois | 8 | $ 1,010,000 | $ 126,250 | $ 111,000 |
| McLean, Illinois | 7 | $ 1,385,000 | $ 197,857 | $ 109,000 |
| Fulton, Illinois | 6 | $ 500,000 | $ 83,333 | $ 55,000 |
| Jefferson, Illinois | 4 | $ 490,000 | $ 122,500 | $ 59,000 |
| Macon, Illinois | 4 | $ 410,000 | $ 102,500 | $ 91,000 |
| Montgomery, Illinois | 4 | $ 630,000 | $ 157,500 | $ 109,000 |
| Peoria, Illinois | 4 | $ 630,000 | $ 157,500 | $ 88,000 |
| Clinton, Illinois | 3 | $ 585,000 | $ 195,000 | $ 108,000 |
| De Witt, Illinois | 3 | $ 645,000 | $ 215,000 | $ 78,000 |
| Livingston, Illinois | 3 | $ 575,000 | $ 191,666 | $ 72,000 |
| Piatt, Illinois | 3 | $ 745,000 | $ 248,333 | $ 184,000 |
| Wayne, Illinois | 3 | $ 565,000 | $ 188,333 | $ 92,000 |
| St. Charles, Missouri | 3 | $ 665,000 | $ 221,666 | $ 111,000 |
| St. Louis, Missouri | 3 | $ 835,000 | $ 278,333 | $ 118,000 |
| Cook, Illinois | 2 | $ 480,000 | $ 240,000 | $ 29,000 |
| Crawford, Illinois | 2 | $ 260,000 | $ 130,000 | $ 157,000 |
| Edgar, Illinois | 2 | $ 180,000 | $ 90,000 | $ 44,000 |
| Greene, Illinois | 2 | $ 140,000 | $ 70,000 | $ 55,000 |
| Kankakee, Illinois | 2 | $ 200,000 | $ 100,000 | $ 47,000 |
| Macoupin, Illinois | 2 | $ 300,000 | $ 150,000 | $ 72,000 |
| Rock Island, Illinois | 2 | $ 400,000 | $ 200,000 | $ 104,000 |
| Elkhart, Indiana | 2 | $ 520,000 | $ 260,000 | $ 121,000 |
| St. Louis City, Missouri | 2 | $ 450,000 | $ 225,000 | $ 127,000 |
| Baldwin, Alabama | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Maricopa, Arizona | 1 | $ 175,000 | $ 175,000 | $ 121,000 |
| Saline, Arkansas | 1 | $ 365,000 | $ 365,000 | $ 79,000 |
| Bay, Florida | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Lee, Florida | 1 | $ 515,000 | $ 515,000 | $ 89,000 |
| Manatee, Florida | 1 | $ 335,000 | $ 335,000 | $ 514,000 |
| Polk, Florida | 1 | $ 625,000 | $ 625,000 | $ 465,000 |
| Brown, Illinois | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Clark, Illinois | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Douglas, Illinois | 1 | $ 125,000 | $ 125,000 | $ 136,000 |
| Jackson, Illinois | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Kane, Illinois | 1 | $ 125,000 | $ 125,000 | $ 116,000 |
| McDonough, Illinois | 1 | $ 145,000 | $ 145,000 | $ 151,000 |
| McHenry, Illinois | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Mercer, Illinois | 1 | $ 215,000 | $ 215,000 | $ 150,000 |
| St. Clair, Illinois | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Will, Illinois | 1 | $ 275,000 | $ 275,000 | $ 166,000 |
| Williamson, Illinois | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Woodford, Illinois | 1 | $ 135,000 | $ 135,000 | $ 96,000 |
| Allen, Indiana | 1 | $ 125,000 | $ 125,000 | $ 152,000 |
| Fountain, Indiana | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Wabash, Indiana | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Warren, Indiana | 1 | $ 205,000 | $ 205,000 | $ 423,000 |
| Camden, Missouri | 1 | $ 355,000 | $ 355,000 | $ 246,000 |
Mortgage Loan Application Detail Totals for Petefish, Skiles, & Company Bank in 2020
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 | 852 | $140,900,000 | $165,000 | $515,000 | $102,000 | $850,000 |
| Home Purchase | 418 | $52,270,000 | $125,000 | $625,000 | $71,000 | $514,000 |
| Cash-out Refinancing | 281 | $43,985,000 | $156,000 | $515,000 | $108,000 | $564,000 |
| Other Purpose | 15 | $2,235,000 | $149,000 | $405,000 | $125,000 | $266,000 |
| Home Improvement | 7 | $775,000 | $110,000 | $185,000 | $76,000 | $108,000 |
| 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 | 1,551 | $237,685,000 | $153,000 | $625,000 | $95,000 | $850,000 |
| Hispanic | 7 | $695,000 | $99,000 | $155,000 | $49,000 | $104,000 |
| Black or African American | 6 | $830,000 | $138,000 | $275,000 | $113,000 | $240,000 |
| Not Provided | 3 | $405,000 | $135,000 | $165,000 | $111,000 | $127,000 |
| Asian | 3 | $325,000 | $108,000 | $125,000 | $60,000 | $87,000 |
| Not applicable | 2 | $100,000 | $50,000 | $55,000 | $0 | $0 |
| 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) | 1,450 | $228,170,000 | $157,000 | $625,000 | $99,000 | $850,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 123 | $11,995,000 | $97,000 | $245,000 | $47,000 | $135,000 |
| 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 | 1,265 | $198,265,000 | $156,000 | $625,000 | $98,000 | $850,000 |
| Application Denied By Financial Institution | 174 | $20,670,000 | $118,000 | $515,000 | $49,000 | $137,000 |
| Application Approved But Not Accepted | 128 | $20,500,000 | $160,000 | $515,000 | $90,000 | $266,000 |
| Application Withdrawn By Applicant | 6 | $730,000 | $121,000 | $205,000 | $77,000 | $90,000 |
| 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 | 1,555 | $237,665,000 | $152,000 | $625,000 | $95,000 | $850,000 |
| Not applicable | 18 | $2,500,000 | $138,000 | $365,000 | $107,000 | $246,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Petefish, Skiles, & Company Bank's 2020 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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