Applications / Mortgage Analytics / Lenders / Illinois / Central Federal Savings and Loan Association
Cicero, IL · Savings institution · OCC · $194 million assets · 55 loans in 2025
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55
loans originated, 2025
69
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Federal Savings and Loan Association, which has lent around Chicago since at least 1990, bounced back in 2025 after an unusually thin year.
It made 55 loans in 2025, up from 19, while similar lenders (savings institutions making between half and twice as many loans) were flat. It made 100 loans in 2021 and 62 in 2023, so 2024 was the odd year out. The data do not say why; with so few loans, the swings are large.
Purchases made up 72.7% of its originations and refinancing 23.6%. Every loan was conventional. It bought no loans from other lenders in 2025.
Majority-minority neighborhoods took 21.8% of its loans, against 7.5% at similar lenders, more than at about four in five of them. Low- and moderate-income (LMI) borrowers took 16.7%, below the 26.2% at its peers. That may reflect where its buyers chose to buy this year, across eight counties in two states. With 55 loans, a few either way move these shares.
In Chicago-Naperville-Elgin it ranks 228 of 902 lenders, in a market led by JPMorgan Chase Bank and Guaranteed Rate.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central Federal Savings and Loan Association took 69 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.7% · Refinance 23.6% · Home improvement 1.8% · Other 1.8%
Conventional 100.0% · of 55 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 54 | 98.2% |
| Indiana | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 48 |
| Lake County | 4 |
| Elgin | 2 |
| Lake County-Porter County-Jasper County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 21380054U5NKZKBQ4128 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 467470 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41567 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701567 | 2011–2017 |
Established 1 January 1892. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Central Federal Savings and Loan Association's data.
Central Federal Savings and Loan Association's data
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Central Federal Savings and Loan Association and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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