Petefish, Skiles, & Company Bank Mortgage Lending & HMDA Data, 2021
In 2021, Petefish, Skiles, & Company Bank of Virginia, IL reported 1,080 mortgage applications totaling $153.8 million, down 31% from 2020. The average application was for $142,370, and applicants reported an average income of $91,075. 76% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Springfield, IL (109), St. Louis, MO-IL (39) and Peoria, IL (31) (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 | 1,080 |
| Total Mortgage Loan Application Amount | $153,760,000 |
| Average Mortgage Loan Application Amount | $142,370 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $91,075 |
| Highest Applicant Income | $829,000 |
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Petefish, Skiles, & Company Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 131 | $ 25,735,000 | $ 196,450 | $ 94,000 |
| Cass, Illinois | 95 | $ 8,265,000 | $ 87,000 | $ 79,000 |
| Morgan, Illinois | 84 | $ 10,850,000 | $ 129,166 | $ 127,000 |
| Fayette, Illinois | 77 | $ 11,025,000 | $ 143,181 | $ 86,000 |
| Menard, Illinois | 76 | $ 11,090,000 | $ 145,921 | $ 99,000 |
| Ford, Illinois | 64 | $ 7,010,000 | $ 109,531 | $ 71,000 |
| Mason, Illinois | 55 | $ 4,275,000 | $ 77,727 | $ 71,000 |
| Moultrie, Illinois | 48 | $ 6,250,000 | $ 130,208 | $ 92,000 |
| Shelby, Illinois | 45 | $ 5,695,000 | $ 126,555 | $ 70,000 |
| Scott, Illinois | 35 | $ 3,035,000 | $ 86,714 | $ 65,000 |
| Iroquois, Illinois | 34 | $ 4,800,000 | $ 141,176 | $ 84,000 |
| Sangamon, Illinois | 33 | $ 4,965,000 | $ 150,454 | $ 101,000 |
| Jefferson, Illinois | 26 | $ 3,610,000 | $ 138,846 | $ 107,000 |
| Bond, Illinois | 23 | $ 3,065,000 | $ 133,260 | $ 74,000 |
| Cumberland, Illinois | 22 | $ 3,570,000 | $ 162,272 | $ 75,000 |
| Tazewell, Illinois | 19 | $ 3,055,000 | $ 160,789 | $ 91,000 |
| Marion, Illinois | 18 | $ 2,380,000 | $ 132,222 | $ 81,000 |
| Logan, Illinois | 15 | $ 1,865,000 | $ 124,333 | $ 90,000 |
| Champaign, Illinois | 14 | $ 2,570,000 | $ 183,571 | $ 85,000 |
| Schuyler, Illinois | 14 | $ 2,200,000 | $ 157,142 | $ 100,000 |
| Richland, Illinois | 13 | $ 2,285,000 | $ 175,769 | $ 106,000 |
| Coles, Illinois | 12 | $ 1,630,000 | $ 135,833 | $ 71,000 |
| Jasper, Illinois | 11 | $ 1,715,000 | $ 155,909 | $ 58,000 |
| Madison, Illinois | 8 | $ 1,220,000 | $ 152,500 | $ 54,000 |
| Clay, Illinois | 7 | $ 1,115,000 | $ 159,285 | $ 78,000 |
| Fulton, Illinois | 7 | $ 625,000 | $ 89,285 | $ 68,000 |
| McLean, Illinois | 7 | $ 1,835,000 | $ 262,142 | $ 114,000 |
| Christian, Illinois | 6 | $ 770,000 | $ 128,333 | $ 88,000 |
| Vermilion, Illinois | 6 | $ 720,000 | $ 120,000 | $ 105,000 |
| Brown, Illinois | 4 | $ 800,000 | $ 200,000 | $ 137,000 |
| Clinton, Illinois | 4 | $ 730,000 | $ 182,500 | $ 101,000 |
| Greene, Illinois | 3 | $ 365,000 | $ 121,666 | $ 54,000 |
| Lawrence, Illinois | 3 | $ 225,000 | $ 75,000 | $ 40,000 |
| Macon, Illinois | 3 | $ 515,000 | $ 171,666 | $ 82,000 |
| Peoria, Illinois | 3 | $ 425,000 | $ 141,666 | $ 114,000 |
| Williamson, Illinois | 3 | $ 545,000 | $ 181,666 | $ 102,000 |
| Cook, Illinois | 2 | $ 890,000 | $ 445,000 | $ 236,000 |
| Crawford, Illinois | 2 | $ 520,000 | $ 260,000 | $ 153,000 |
| DuPage, Illinois | 2 | $ 630,000 | $ 315,000 | $ 105,000 |
| Edgar, Illinois | 2 | $ 200,000 | $ 100,000 | $ 61,000 |
| Jersey, Illinois | 2 | $ 360,000 | $ 180,000 | $ 131,000 |
| Livingston, Illinois | 2 | $ 320,000 | $ 160,000 | $ 92,000 |
| Montgomery, Illinois | 2 | $ 110,000 | $ 55,000 | $ 52,000 |
| Piatt, Illinois | 2 | $ 500,000 | $ 250,000 | $ 162,000 |
| Woodford, Illinois | 2 | $ 410,000 | $ 205,000 | $ 107,000 |
| Camden, Missouri | 2 | $ 360,000 | $ 180,000 | $ 169,000 |
| St. Louis, Missouri | 2 | $ 730,000 | $ 365,000 | $ 233,000 |
| Baldwin, Alabama | 1 | $ 55,000 | $ 55,000 | $ 115,000 |
| Marshall, Alabama | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Bay, Florida | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Broward, Florida | 1 | $ 905,000 | $ 905,000 | $ 378,000 |
| Lee, Florida | 1 | $ 215,000 | $ 215,000 | $ 385,000 |
| Sumter, Florida | 1 | $ 195,000 | $ 195,000 | $ 185,000 |
| Clark, Illinois | 1 | $ 145,000 | $ 145,000 | $ 25,000 |
| De Witt, Illinois | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Edwards, Illinois | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Jackson, Illinois | 1 | $ 225,000 | $ 225,000 | $ 829,000 |
| Lake, Illinois | 1 | $ 375,000 | $ 375,000 | $ 121,000 |
| McDonough, Illinois | 1 | $ 255,000 | $ 255,000 | $ 94,000 |
| Perry, Illinois | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Pike, Illinois | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Rock Island, Illinois | 1 | $ 295,000 | $ 295,000 | $ 113,000 |
| Wayne, Illinois | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| White, Illinois | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Winnebago, Illinois | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Knox, Indiana | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Shelby, Indiana | 1 | $ 135,000 | $ 135,000 | $ 106,000 |
| Vigo, Indiana | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Muscatine, Iowa | 1 | $ 175,000 | $ 175,000 | $ 116,000 |
| Scott, Iowa | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Emmet, Michigan | 1 | $ 215,000 | $ 215,000 | $ 175,000 |
| Stone, Missouri | 1 | $ 155,000 | $ 155,000 | $ 340,000 |
| Buncombe, North Carolina | 1 | $ 525,000 | $ 525,000 | $ 280,000 |
| Georgetown, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Davidson, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 99,000 |
| Williamson, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 73,000 |
| Fairfax, Virginia | 1 | $ 1,685,000 | $ 1,685,000 | $ 0 |
Mortgage Loan Application Detail Totals for Petefish, Skiles, & Company Bank in 2021
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 | 467 | $61,855,000 | $132,000 | $1,685,000 | $76,000 | $829,000 |
| Refinancing | 381 | $59,815,000 | $156,000 | $905,000 | $105,000 | $740,000 |
| Cash-out Refinancing | 218 | $31,170,000 | $142,000 | $505,000 | $100,000 | $362,000 |
| Other Purpose | 14 | $920,000 | $65,000 | $355,000 | $76,000 | $186,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,039 | $148,105,000 | $142,000 | $1,685,000 | $92,000 | $829,000 |
| Not Provided | 13 | $1,495,000 | $115,000 | $355,000 | $76,000 | $216,000 |
| Not applicable | 11 | $2,055,000 | $186,000 | $595,000 | $0 | $0 |
| Hispanic | 9 | $1,095,000 | $121,000 | $175,000 | $56,000 | $168,000 |
| Black or African American | 5 | $545,000 | $109,000 | $205,000 | $86,000 | $122,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $75,000 | $75,000 |
| Asian | 1 | $145,000 | $145,000 | $145,000 | $59,000 | $59,000 |
| 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) | 954 | $141,990,000 | $148,000 | $1,685,000 | $97,000 | $829,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 126 | $11,770,000 | $93,000 | $215,000 | $45,000 | $90,000 |
| 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 | 822 | $116,940,000 | $142,000 | $665,000 | $92,000 | $829,000 |
| Application Denied By Financial Institution | 140 | $14,740,000 | $105,000 | $405,000 | $54,000 | $233,000 |
| Application Approved But Not Accepted | 112 | $19,800,000 | $176,000 | $905,000 | $105,000 | $624,000 |
| Application Withdrawn By Applicant | 6 | $2,280,000 | $380,000 | $1,685,000 | $50,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 940 | $139,020,000 | $147,000 | $1,685,000 | $93,000 | $829,000 |
| Credit History | 90 | $8,440,000 | $93,000 | $365,000 | $77,000 | $233,000 |
| Debt-To-Income Ratio | 30 | $4,040,000 | $134,000 | $405,000 | $40,000 | $99,000 |
| Other | 13 | $1,665,000 | $128,000 | $295,000 | $55,000 | $90,000 |
| Collateral | 6 | $540,000 | $90,000 | $155,000 | $66,000 | $86,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Credit Application Incomplete | 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 2021 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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