Petefish, Skiles, & Company Bank Mortgage Lending & HMDA Data, 2023
In 2023, Petefish, Skiles, & Company Bank of Virginia, IL reported 496 mortgage applications totaling $61.3 million, down 30% from 2022. The average application was for $123,629, and applicants reported an average income of $92,782. 60% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Springfield, IL (62), Peoria, IL (13) and St. Louis, MO-IL (13) (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 | 496 |
| Total Mortgage Loan Application Amount | $61,320,000 |
| Average Mortgage Loan Application Amount | $123,629 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $92,782 |
| Highest Applicant Income | $545,000 |
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Petefish, Skiles, & Company Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 378 | $ 44,910,000 | $ 118,809 | $ 88,428 |
| Springfield, IL | 62 | $ 7,840,000 | $ 126,451 | $ 99,000 |
| Peoria, IL | 13 | $ 1,815,000 | $ 139,615 | $ 104,000 |
| St. Louis, MO-IL | 13 | $ 2,175,000 | $ 167,307 | $ 140,000 |
| Champaign-Urbana, IL | 9 | $ 1,235,000 | $ 137,222 | $ 67,000 |
| Bloomington, IL | 7 | $ 1,535,000 | $ 219,285 | $ 143,000 |
| Danville, IL | 7 | $ 705,000 | $ 100,714 | $ 74,000 |
| Carbondale-Marion, IL | 2 | $ 180,000 | $ 90,000 | $ 63,000 |
| Chicago-Naperville, IL | 1 | $ 245,000 | $ 245,000 | $ 82,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Decatur, IL | 1 | $ 225,000 | $ 225,000 | $ 124,000 |
| Elgin, IL | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Evansville, IN-KY | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Petefish, Skiles, & Company Bank in 2023
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 | 358 | $43,270,000 | $120,000 | $485,000 | $86,000 | $545,000 |
| Refinancing | 89 | $14,005,000 | $157,000 | $515,000 | $110,000 | $410,000 |
| Cash-out Refinancing | 41 | $3,525,000 | $85,000 | $265,000 | $106,000 | $489,000 |
| Other Purpose | 8 | $520,000 | $65,000 | $125,000 | $137,000 | $300,000 |
| 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 | 472 | $58,470,000 | $123,000 | $515,000 | $92,000 | $545,000 |
| Hispanic | 10 | $1,040,000 | $104,000 | $205,000 | $111,000 | $370,000 |
| Black or African American | 5 | $875,000 | $175,000 | $325,000 | $162,000 | $300,000 |
| Not applicable | 4 | $470,000 | $117,000 | $225,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $220,000 | $110,000 | $145,000 | $84,000 | $136,000 |
| Asian | 2 | $150,000 | $75,000 | $105,000 | $60,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 385 | $50,745,000 | $131,000 | $515,000 | $102,000 | $545,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 111 | $10,575,000 | $95,000 | $255,000 | $54,000 | $105,000 |
| 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 | 300 | $39,220,000 | $130,000 | $485,000 | $101,000 | $545,000 |
| Application Denied By Financial Institution | 109 | $11,605,000 | $106,000 | $515,000 | $55,000 | $154,000 |
| Application Withdrawn By Applicant | 85 | $10,195,000 | $119,000 | $405,000 | $76,000 | $370,000 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $108,000 | $108,000 |
| Loan Purchased By The Institution | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 387 | $49,715,000 | $128,000 | $485,000 | $96,000 | $545,000 |
| Credit History | 75 | $7,085,000 | $94,000 | $315,000 | $69,000 | $154,000 |
| Debt-To-Income Ratio | 22 | $3,220,000 | $146,000 | $515,000 | $50,000 | $102,000 |
| Other | 8 | $1,130,000 | $141,000 | $215,000 | $105,000 | $105,000 |
| Collateral | 4 | $170,000 | $42,000 | $55,000 | $41,000 | $63,000 |
| 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 2023 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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