Petefish, Skiles, & Company Bank Mortgage Lending & HMDA Data, 2016
In 2016, Petefish, Skiles, & Company Bank of Virginia, IL reported 387 mortgage applications totaling $44.4 million, up 20% from 2015. The average application was for $114,617, and applicants reported an average income of $75,418. 70% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Springfield, IL (35), Peoria, IL (4) and St. Louis, MO-IL (4) (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 | 387 |
| Total Mortgage Loan Application Amount | $44,357,000 |
| Average Mortgage Loan Application Amount | $114,617 |
| Highest Mortgage Loan Application Amount | $955,000 |
| Average Applicant Income | $75,418 |
| Highest Applicant Income | $505,000 |
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Petefish, Skiles, & Company Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Springfield, IL | 35 | $ 4,104,000 | $ 117,257 | $ 87,000 |
| Peoria, IL | 4 | $ 390,000 | $ 97,500 | $ 58,000 |
| St. Louis, MO-IL | 4 | $ 603,000 | $ 150,750 | $ 69,250 |
| Champaign-Urbana, IL | 2 | $ 258,000 | $ 129,000 | $ 66,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 465,000 | $ 232,500 | $ 140,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 119,000 | $ 119,000 | $ 49,000 |
| Decatur, IL | 1 | $ 126,000 | $ 126,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Petefish, Skiles, & Company Bank in 2016
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 | 186 | $23,597,000 | $126,000 | $955,000 | $86,000 | $505,000 |
| Home Purchase | 185 | $18,970,000 | $102,000 | $417,000 | $63,000 | $363,000 |
| Home Improvement | 16 | $1,790,000 | $111,000 | $312,000 | $96,000 | $331,000 |
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 | 383 | $43,996,000 | $114,000 | $955,000 | $76,000 | $505,000 |
| Hispanic | 2 | $127,000 | $63,000 | $102,000 | $42,000 | $61,000 |
| Black or African American | 1 | $68,000 | $68,000 | $68,000 | $87,000 | $87,000 |
| Not applicable | 1 | $166,000 | $166,000 | $166,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 320 | $38,715,000 | $120,000 | $955,000 | $81,000 | $505,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $5,642,000 | $84,000 | $272,000 | $50,000 | $96,000 |
| 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 | 272 | $32,566,000 | $119,000 | $955,000 | $80,000 | $505,000 |
| Application Denied By Financial Institution | 115 | $11,791,000 | $102,000 | $417,000 | $65,000 | $428,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 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 2016 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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