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Petefish, Skiles, & Company Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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