Petefish, Skiles, & Company Bank Mortgage Lending & HMDA Data, 2022
In 2022, Petefish, Skiles, & Company Bank of Virginia, IL reported 705 mortgage applications totaling $95.9 million, down 35% from 2021. The average application was for $136,007, and applicants reported an average income of $92,924. 63% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Springfield, IL (67), Peoria, IL (30) and St. Louis, MO-IL (27) (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 | 705 |
| Total Mortgage Loan Application Amount | $95,885,000 |
| Average Mortgage Loan Application Amount | $136,007 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $92,924 |
| Highest Applicant Income | $876,000 |
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Petefish, Skiles, & Company Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Morgan, Illinois | 78 | $ 9,550,000 | $ 122,435 | $ 132,000 |
| Cass, Illinois | 53 | $ 4,935,000 | $ 93,113 | $ 89,000 |
| Effingham, Illinois | 47 | $ 7,785,000 | $ 165,638 | $ 91,000 |
| Menard, Illinois | 46 | $ 6,190,000 | $ 134,565 | $ 105,000 |
| Jefferson, Illinois | 38 | $ 4,670,000 | $ 122,894 | $ 82,000 |
| Mason, Illinois | 38 | $ 3,610,000 | $ 95,000 | $ 89,000 |
| Ford, Illinois | 36 | $ 5,320,000 | $ 147,777 | $ 82,000 |
| Fayette, Illinois | 31 | $ 4,285,000 | $ 138,225 | $ 68,000 |
| Iroquois, Illinois | 30 | $ 4,040,000 | $ 134,666 | $ 63,000 |
| Tazewell, Illinois | 25 | $ 3,805,000 | $ 152,200 | $ 104,000 |
| Sangamon, Illinois | 21 | $ 3,865,000 | $ 184,047 | $ 128,000 |
| Scott, Illinois | 20 | $ 2,130,000 | $ 106,500 | $ 64,000 |
| Shelby, Illinois | 20 | $ 2,500,000 | $ 125,000 | $ 56,000 |
| Moultrie, Illinois | 19 | $ 2,675,000 | $ 140,789 | $ 78,000 |
| Richland, Illinois | 17 | $ 2,425,000 | $ 142,647 | $ 67,000 |
| Cumberland, Illinois | 11 | $ 1,715,000 | $ 155,909 | $ 69,000 |
| Logan, Illinois | 11 | $ 1,275,000 | $ 115,909 | $ 53,000 |
| McLean, Illinois | 11 | $ 1,355,000 | $ 123,181 | $ 89,000 |
| Schuyler, Illinois | 11 | $ 1,055,000 | $ 95,909 | $ 68,000 |
| Bond, Illinois | 10 | $ 1,080,000 | $ 108,000 | $ 81,000 |
| Lawrence, Illinois | 9 | $ 1,025,000 | $ 113,888 | $ 65,000 |
| Jasper, Illinois | 8 | $ 1,020,000 | $ 127,500 | $ 68,000 |
| Champaign, Illinois | 7 | $ 1,435,000 | $ 205,000 | $ 128,000 |
| Christian, Illinois | 7 | $ 585,000 | $ 83,571 | $ 56,000 |
| Coles, Illinois | 7 | $ 1,135,000 | $ 162,142 | $ 92,000 |
| Vermilion, Illinois | 6 | $ 580,000 | $ 96,666 | $ 63,000 |
| Franklin, Illinois | 5 | $ 555,000 | $ 111,000 | $ 67,000 |
| Clay, Illinois | 4 | $ 920,000 | $ 230,000 | $ 62,000 |
| Macoupin, Illinois | 4 | $ 460,000 | $ 115,000 | $ 57,000 |
| Madison, Illinois | 4 | $ 600,000 | $ 150,000 | $ 75,000 |
| Marion, Illinois | 4 | $ 540,000 | $ 135,000 | $ 66,000 |
| Edwards, Illinois | 3 | $ 345,000 | $ 115,000 | $ 80,000 |
| Fulton, Illinois | 3 | $ 165,000 | $ 55,000 | $ 31,000 |
| Macon, Illinois | 3 | $ 815,000 | $ 271,666 | $ 134,000 |
| St. Clair, Illinois | 3 | $ 185,000 | $ 61,666 | $ 92,000 |
| Lee, Florida | 2 | $ 350,000 | $ 175,000 | $ 196,000 |
| Brown, Illinois | 2 | $ 120,000 | $ 60,000 | $ 128,000 |
| Cook, Illinois | 2 | $ 1,040,000 | $ 520,000 | $ 295,000 |
| Greene, Illinois | 2 | $ 140,000 | $ 70,000 | $ 41,000 |
| Rock Island, Illinois | 2 | $ 320,000 | $ 160,000 | $ 180,000 |
| Will, Illinois | 2 | $ 460,000 | $ 230,000 | $ 81,000 |
| Cape Girardeau, Missouri | 2 | $ 320,000 | $ 160,000 | $ 131,000 |
| Stone, Missouri | 2 | $ 530,000 | $ 265,000 | $ 394,000 |
| Calhoun, Alabama | 1 | $ 275,000 | $ 275,000 | $ 133,000 |
| Franklin, Alabama | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Maricopa, Arizona | 1 | $ 245,000 | $ 245,000 | $ 166,000 |
| Broward, Florida | 1 | $ 605,000 | $ 605,000 | $ 378,000 |
| Charlotte, Florida | 1 | $ 205,000 | $ 205,000 | $ 244,000 |
| Okaloosa, Florida | 1 | $ 465,000 | $ 465,000 | $ 352,000 |
| Pinellas, Florida | 1 | $ 135,000 | $ 135,000 | $ 154,000 |
| Santa Rosa, Florida | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| Clark, Illinois | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Clinton, Illinois | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Crawford, Illinois | 1 | $ 165,000 | $ 165,000 | $ 0 |
| De Witt, Illinois | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Douglas, Illinois | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Edgar, Illinois | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Hamilton, Illinois | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Henry, Illinois | 1 | $ 145,000 | $ 145,000 | $ 91,000 |
| Jersey, Illinois | 1 | $ 165,000 | $ 165,000 | $ 106,000 |
| Livingston, Illinois | 1 | $ 375,000 | $ 375,000 | $ 131,000 |
| Monroe, Illinois | 1 | $ 265,000 | $ 265,000 | $ 144,000 |
| Peoria, Illinois | 1 | $ 295,000 | $ 295,000 | $ 162,000 |
| Perry, Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Piatt, Illinois | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Washington, Illinois | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Wayne, Illinois | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| White, Illinois | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Williamson, Illinois | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Winnebago, Illinois | 1 | $ 395,000 | $ 395,000 | $ 56,000 |
| Woodford, Illinois | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Gibson, Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Knox, Indiana | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Owen, Indiana | 1 | $ 145,000 | $ 145,000 | $ 41,000 |
| Polk, Iowa | 1 | $ 335,000 | $ 335,000 | $ 92,000 |
| Calloway, Kentucky | 1 | $ 445,000 | $ 445,000 | $ 199,000 |
| Lafayette, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Franklin, Missouri | 1 | $ 245,000 | $ 245,000 | $ 180,000 |
| St. Charles, Missouri | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| St. Louis, Missouri | 1 | $ 265,000 | $ 265,000 | $ 145,000 |
| Harris, Texas | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Smith, Texas | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for Petefish, Skiles, & Company Bank in 2022
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 | 437 | $57,555,000 | $131,000 | $565,000 | $85,000 | $876,000 |
| Refinancing | 172 | $27,040,000 | $157,000 | $635,000 | $109,000 | $860,000 |
| Cash-out Refinancing | 79 | $9,905,000 | $125,000 | $605,000 | $94,000 | $378,000 |
| Other Purpose | 17 | $1,385,000 | $81,000 | $205,000 | $129,000 | $288,000 |
| 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 | 647 | $86,205,000 | $133,000 | $605,000 | $90,000 | $652,000 |
| Not Provided | 18 | $2,790,000 | $155,000 | $445,000 | $79,000 | $199,000 |
| Not applicable | 14 | $3,410,000 | $243,000 | $635,000 | $0 | $0 |
| Hispanic | 10 | $1,420,000 | $142,000 | $215,000 | $72,000 | $102,000 |
| Asian | 7 | $1,445,000 | $206,000 | $435,000 | $396,000 | $876,000 |
| Black or African American | 7 | $485,000 | $69,000 | $165,000 | $68,000 | $136,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $40,000 | $40,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $860,000 | $860,000 |
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) | 601 | $85,255,000 | $141,000 | $635,000 | $100,000 | $876,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 104 | $10,630,000 | $102,000 | $315,000 | $49,000 | $92,000 |
| 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 | 446 | $61,660,000 | $138,000 | $635,000 | $100,000 | $876,000 |
| Application Denied By Financial Institution | 129 | $15,115,000 | $117,000 | $445,000 | $58,000 | $174,000 |
| Application Withdrawn By Applicant | 123 | $17,875,000 | $145,000 | $465,000 | $78,000 | $352,000 |
| Loan Purchased By The Institution | 6 | $1,070,000 | $178,000 | $255,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $165,000 | $165,000 | $165,000 | $63,000 | $63,000 |
| File Closed For Incompleteness | 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 | 576 | $80,770,000 | $140,000 | $635,000 | $96,000 | $876,000 |
| Credit History | 87 | $8,815,000 | $101,000 | $435,000 | $79,000 | $174,000 |
| Debt-To-Income Ratio | 24 | $4,300,000 | $179,000 | $395,000 | $50,000 | $106,000 |
| Other | 11 | $1,385,000 | $125,000 | $445,000 | $53,000 | $66,000 |
| Collateral | 6 | $530,000 | $88,000 | $175,000 | $53,000 | $94,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Petefish, Skiles, & Company Bank's 2022 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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