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Petefish, Skiles, & Company Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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