Petefish, Skiles, & Company Bank Mortgage Lending & HMDA Data, 2024
In 2024, Petefish, Skiles, & Company Bank of Virginia, IL reported 476 mortgage applications totaling $64.2 million, down 4% from 2023. The average application was for $134,873, and applicants reported an average income of $96,932. 65% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Springfield, IL (46), Champaign-Urbana, IL (38) and St. Louis, MO-IL (16) (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 | 476 |
| Total Mortgage Loan Application Amount | $64,200,000 |
| Average Mortgage Loan Application Amount | $134,873 |
| Highest Mortgage Loan Application Amount | $1,105,000 |
| Average Applicant Income | $96,932 |
| Highest Applicant Income | $1,145,000 |
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Petefish, Skiles, & Company Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 66 | $ 7,890,000 | $ 119,545 | $ 111,000 |
| Cass, Illinois | 45 | $ 4,185,000 | $ 93,000 | $ 98,000 |
| Mason, Illinois | 35 | $ 3,235,000 | $ 92,428 | $ 81,000 |
| Menard, Illinois | 33 | $ 3,495,000 | $ 105,909 | $ 92,000 |
| Jefferson, Illinois | 29 | $ 4,375,000 | $ 150,862 | $ 88,000 |
| Ford, Illinois | 28 | $ 3,570,000 | $ 127,500 | $ 77,000 |
| Effingham, Illinois | 27 | $ 4,065,000 | $ 150,555 | $ 73,000 |
| Shelby, Illinois | 24 | $ 3,460,000 | $ 144,166 | $ 103,000 |
| Iroquois, Illinois | 19 | $ 2,915,000 | $ 153,421 | $ 82,000 |
| Fayette, Illinois | 14 | $ 1,600,000 | $ 114,285 | $ 64,000 |
| Scott, Illinois | 14 | $ 2,160,000 | $ 154,285 | $ 86,000 |
| Sangamon, Illinois | 13 | $ 2,395,000 | $ 184,230 | $ 121,000 |
| Moultrie, Illinois | 11 | $ 1,295,000 | $ 117,727 | $ 93,000 |
| Edwards, Illinois | 8 | $ 1,130,000 | $ 141,250 | $ 86,000 |
| Schuyler, Illinois | 8 | $ 1,080,000 | $ 135,000 | $ 82,000 |
| Champaign, Illinois | 6 | $ 840,000 | $ 140,000 | $ 109,000 |
| Macoupin, Illinois | 6 | $ 890,000 | $ 148,333 | $ 129,000 |
| McLean, Illinois | 6 | $ 1,620,000 | $ 270,000 | $ 205,000 |
| Richland, Illinois | 6 | $ 600,000 | $ 100,000 | $ 58,000 |
| Bond, Illinois | 5 | $ 605,000 | $ 121,000 | $ 73,000 |
| McDonough, Illinois | 5 | $ 485,000 | $ 97,000 | $ 111,000 |
| Coles, Illinois | 4 | $ 710,000 | $ 177,500 | $ 101,000 |
| Marion, Illinois | 4 | $ 940,000 | $ 235,000 | $ 137,000 |
| Piatt, Illinois | 4 | $ 630,000 | $ 157,500 | $ 73,000 |
| Tazewell, Illinois | 4 | $ 400,000 | $ 100,000 | $ 59,000 |
| Christian, Illinois | 3 | $ 395,000 | $ 131,666 | $ 90,000 |
| Clay, Illinois | 3 | $ 555,000 | $ 185,000 | $ 66,000 |
| Franklin, Illinois | 3 | $ 585,000 | $ 195,000 | $ 86,000 |
| Jasper, Illinois | 3 | $ 425,000 | $ 141,666 | $ 153,000 |
| Vermilion, Illinois | 3 | $ 215,000 | $ 71,666 | $ 43,000 |
| Maricopa, Arizona | 2 | $ 260,000 | $ 130,000 | $ 65,000 |
| Cumberland, Illinois | 2 | $ 260,000 | $ 130,000 | $ 55,000 |
| Fulton, Illinois | 2 | $ 160,000 | $ 80,000 | $ 37,000 |
| Knox, Illinois | 2 | $ 280,000 | $ 140,000 | $ 58,000 |
| Madison, Illinois | 2 | $ 330,000 | $ 165,000 | $ 97,000 |
| Williamson, Illinois | 2 | $ 230,000 | $ 115,000 | $ 94,000 |
| Camden, Missouri | 2 | $ 1,360,000 | $ 680,000 | $ 636,000 |
| Highlands, Florida | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Calhoun, Illinois | 1 | $ 125,000 | $ 125,000 | $ 315,000 |
| Clark, Illinois | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Clinton, Illinois | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| DeKalb, Illinois | 1 | $ 345,000 | $ 345,000 | $ 14,000 |
| Douglas, Illinois | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Greene, Illinois | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Jackson, Illinois | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Logan, Illinois | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Peoria, Illinois | 1 | $ 205,000 | $ 205,000 | $ 250,000 |
| Stephenson, Illinois | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Union, Illinois | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Wabash, Illinois | 1 | $ 155,000 | $ 155,000 | $ 34,000 |
| Washington, Illinois | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Wayne, Illinois | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| White, Illinois | 1 | $ 205,000 | $ 205,000 | $ 98,000 |
| Woodford, Illinois | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Warrick, Indiana | 1 | $ 215,000 | $ 215,000 | $ 138,000 |
| St. Louis, Missouri | 1 | $ 255,000 | $ 255,000 | $ 137,000 |
| Hamilton, Ohio | 1 | $ 395,000 | $ 395,000 | $ 149,000 |
| Edgefield, South Carolina | 1 | $ 305,000 | $ 305,000 | $ 171,000 |
| Stewart, Tennessee | 1 | $ 505,000 | $ 505,000 | $ 189,000 |
| Calumet, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 158,000 |
Mortgage Loan Application Detail Totals for Petefish, Skiles, & Company Bank in 2024
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 | 328 | $43,470,000 | $132,000 | $1,105,000 | $91,000 | $1,145,000 |
| Refinancing | 97 | $16,665,000 | $171,000 | $565,000 | $123,000 | $789,000 |
| Cash-out Refinancing | 38 | $3,390,000 | $89,000 | $305,000 | $72,000 | $171,000 |
| Other Purpose | 13 | $675,000 | $51,000 | $155,000 | $125,000 | $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 | 454 | $60,010,000 | $132,000 | $1,105,000 | $97,000 | $1,145,000 |
| Black or African American | 9 | $1,625,000 | $180,000 | $365,000 | $71,000 | $115,000 |
| Hispanic | 9 | $1,465,000 | $162,000 | $525,000 | $95,000 | $271,000 |
| Not Provided | 2 | $700,000 | $350,000 | $565,000 | $176,000 | $247,000 |
| Not applicable | 1 | $265,000 | $265,000 | $265,000 | $0 | $0 |
| Asian | 1 | $135,000 | $135,000 | $135,000 | $87,000 | $87,000 |
| 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) | 407 | $56,545,000 | $138,000 | $1,105,000 | $102,000 | $1,145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $7,655,000 | $110,000 | $365,000 | $59,000 | $110,000 |
| 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 | 308 | $42,110,000 | $136,000 | $1,105,000 | $102,000 | $1,145,000 |
| Application Denied By Financial Institution | 96 | $11,570,000 | $120,000 | $555,000 | $71,000 | $271,000 |
| Application Withdrawn By Applicant | 72 | $10,520,000 | $146,000 | $565,000 | $98,000 | $792,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 380 | $52,630,000 | $138,000 | $1,105,000 | $101,000 | $1,145,000 |
| Credit History | 59 | $6,415,000 | $108,000 | $365,000 | $77,000 | $178,000 |
| Debt-To-Income Ratio | 32 | $4,610,000 | $144,000 | $555,000 | $63,000 | $271,000 |
| Other | 3 | $275,000 | $91,000 | $125,000 | $115,000 | $115,000 |
| Collateral | 2 | $270,000 | $135,000 | $215,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2024 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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