Petefish, Skiles & at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
24th17.9% deniedPricingmedian rate spread over APOR, weight 30%
37th0.39 ptsProcesswithdrawn + incomplete share, weight 15%
35th15.1%Closing coststotal loan costs ÷ loan amount, weight 10%
48th1.98% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 495 | 300 | 22.0% | 26.6% | 6.81% | $39M |
| 2024 | 476 | 308 | 20.2% | 23.8% | 6.75% | $42M |
| 2025 | 538 | 375 | 15.2% | 17.9% | 6.75% | $55M |
What Petefish, Skiles & lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 26 manufactured homes, 31 investment properties.
Why Petefish, Skiles & denies applications
Primary reason reported for each of the 82 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Petefish, Skiles &
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 106 | 64 | 26.4% |
| $50k – $100k | 185 | 140 | 8.5% |
| $100k – $150k | 113 | 94 | 6.9% |
| $150k – $250k | 72 | 55 | 1.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 95 | 72 | 12.2% |
| 25–34 | 158 | 111 | 19.6% |
| 35–44 | 111 | 66 | 25.0% |
| 45–54 | 68 | 52 | 14.8% |
| 55–64 | 62 | 44 | 15.4% |
| 65–74 | 24 | 14 | 22.2% |
Where Petefish, Skiles & lends
7 states and 61 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 528 | 366 | 15.5% | 6.75% | #121 |
Frequently asked questions
Petefish, Skiles & denied 17.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 24th percentile of small mortgage lenders.
The most common reason Petefish, Skiles & gave in 2025 was "credit history", cited on 69.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Petefish, Skiles & originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.39 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 67% of its applications were for home purchases, 28% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 87% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.