Petefish Skiles & Co. Mortgage Rates, Fees & InfoVirginia, IL
Tax ID: 37-0461490
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewPetefish Skiles & Co. is a smaller mortgage company specializing in Home Purchase and Refi loans. Petefish Skiles & Co. has a high proportion of conventional loans. Their top markets by origination volume include: Jacksonville, Springfield, Mount Vernon, Peoria, and St. Louis among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)
Petefish Skiles & Co. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Petefish Skiles & Co. is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.84%||12/10/23|
|30 Year Conventional Refi||6.65%||12/10/23|
|30 Year Cash-out Refi||6.65%||12/10/23|
|30 Year USDA Purchase||7.00%||12/10/23|
|15 Year Conventional Purchase||6.33%||12/10/23|
|15 Year Conventional Refi||6.16%||12/10/23|
|15 Year Cash-out Refi||6.16%||12/10/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Petefish Skiles & Co. Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$61,660,000
Petefish Skiles & Co. - 2022
Petefish Skiles & Co. is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Petefish Skiles & Co.'s average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.37%.
Relative Fees (Closing Costs)
Petefish Skiles & Co.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $2,721.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|Outside of Metro Areas||186||$22,370,000||$120,269||$2,421||5.18%|
|Jacksonville, IL (FHA|USDA|VA)||74||$9,720,000||$131,351||$1,696||4.75%|
|SPRINGFIELD, IL (FHA|USDA|VA)||52||$7,410,000||$142,500||$2,076||4.84%|
|Mount Vernon, IL (FHA|USDA|VA)||25||$3,295,000||$131,800||$2,266||5.04%|
|PEORIA, IL (FHA|USDA|VA)||20||$3,250,000||$162,500||$2,505||4.54%|
|ST. LOUIS, MO-IL (FHA|USDA|VA)||16||$2,800,000||$175,000||$2,486||5.08%|
|Effingham, IL (FHA|USDA|VA)||18||$2,690,000||$149,444||$2,988||4.94%|
|Charleston-Mattoon, IL (FHA|USDA|VA)||8||$1,600,000||$200,000||$4,021||4.91%|
|CHAMPAIGN-URBANA, IL (FHA|USDA|VA)||4||$1,200,000||$300,000||$2,878||6.19%|
|Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA)||2||$1,040,000||$520,000||$7,376||6.01%|
|BLOOMINGTON, IL (FHA|USDA|VA)||7||$965,000||$137,857||$2,210||4.71%|
|Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)||1||$605,000||$605,000||$7,737||3.50%|
|Lincoln, IL (FHA|USDA|VA)||5||$535,000||$107,000||$2,938||4.85%|
|DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA)||3||$465,000||$155,000||$1,941||5.79%|
|Pontiac, IL (FHA|USDA|VA)||1||$375,000||$375,000||$3,289||7.00%|
|CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)||2||$350,000||$175,000||$4,629||4.63%|
|DECATUR, IL (FHA|USDA|VA)||1||$335,000||$335,000||$5,647||6.00%|
|DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA)||1||$335,000||$335,000||$4,597||3.75%|
|CAPE GIRARDEAU, MO-IL (FHA|USDA|VA)||2||$320,000||$160,000||$3,292||3.94%|
|ANNISTON-OXFORD, AL (FHA|USDA|VA)||1||$275,000||$275,000||$2,695||6.63%|
|DANVILLE, IL (FHA|USDA|VA)||4||$270,000||$67,500||$2,611||5.78%|
|Taylorville, IL (FHA|USDA|VA)||4||$240,000||$60,000||$2,276||4.91%|
|PUNTA GORDA, FL (FHA|USDA|VA)||1||$205,000||$205,000||$2,971||3.50%|
|Centralia, IL (FHA|USDA|VA)||1||$195,000||$195,000||$2,249||6.88%|
|PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA)||1||$155,000||$155,000||$1,662||3.50%|
|BLOOMINGTON, IN (FHA|USDA|VA)||1||$145,000||$145,000||$1,691||3.25%|
|TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA)||1||$135,000||$135,000||$2,404||4.75%|
|LAFAYETTE, LA (FHA|USDA|VA)||1||$135,000||$135,000||$3,010||4.13%|
|CARBONDALE-MARION, IL (FHA|USDA|VA)||1||$125,000||$125,000||$3,779||6.00%|
|Vincennes, IN (FHA|USDA|VA)||1||$75,000||$75,000||$2,477||5.50%|
|TYLER, TX (FHA|USDA|VA)||1||$45,000||$45,000||$1,623||6.88%|
We use machine learning to identify the top lenders compared against Petefish Skiles & Co. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Petefish Skiles & Co.'s most frequently originated type of loan was Conventional, with 390 originations. Their 2nd most popular type was USDA, with 56 originations.
For 2022, Petefish Skiles & Co.'s most frequently cited loan purpose was Home Purchase, with 267 originations. The 2nd most popular reason was Refi, with 122 originations.
For 2022, Petefish Skiles & Co.'s most frequently cited loan duration was 30 Year, with 282 originations. The 2nd most popular length was 15 Year, with 61 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Petefish Skiles & Co.'s average total fees were $2,721, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 263 originations.
During 2022, Petefish Skiles & Co.'s average interest rate for loans was 5.13%, while their most frequently originated rate bucket for loans was 5-6%, with 144 originations.
2022 saw Petefish Skiles & Co. place emphasis on $100,000 or less loans with 196 originations, totaling $12,980,000 in origination value.
Petefish Skiles & Co. lent most frequently to those with incomes in the $50k or less range, with 119 originations. The second most popular income band? $50k-75k, with 105 originations.
Applicant Debt to Income Ratio
Petefish Skiles & Co. lent most frequently to those with DTI ratios of 20-30%, with 139 originations. The next most common DTI ratio? 30-36%, with 91 originations.
Approval RatesTotal approvals of all applications
Petefish Skiles & Co. has a below average approval rate.
Pick RateApprovals leading to origination
Petefish Skiles & Co. has a below average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|