Applications / Mortgage Analytics / Lenders / Illinois / Union Federal Savings and Loan Association
Kewanee, IL · Savings institution · OCC · $145 million assets · 50 loans in 2025
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50
loans originated, 2025
70
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union Federal Savings and Loan Association makes very small loans, and more than half of them go to low- and moderate-income borrowers, a far larger share than at similar thrifts.
Its typical loan was $65,000, against $245,000 at similar lenders (savings institutions making between half and twice as many loans), the lowest of them all. Purchases made up 56.0% of its 50 loans, and every loan was conventional.
Low- and moderate-income borrowers took 54.8% of its loans, against 26.0% at similar lenders. Its share in low- and moderate-income neighborhoods was 46.0%, against 17.2%. Both are higher than nearly all its peers. Loans this small may reflect low-priced homes, which poorer buyers can afford.
In Davenport-Moline-Rock Island it ranked 54 of 288 lenders with 0.3% of the market, unchanged from 2024, and has lent there since at least 1990. GreenState Credit Union led that market.
Its loans rose 19%, from 42 to 50, while similar lenders' count was unchanged. That leaves it well below the 132 loans it made in 2021.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Union Federal Savings and Loan Association took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.0% · Refinance 24.0% · Home improvement 14.0% · Other 6.0%
Conventional 100.0% · of 50 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 | 43 | 86.0% |
| Wisconsin | 7 | 14.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 35 |
| Madison | 6 |
| Peoria | 3 |
| Milwaukee-Waukesha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TY6UTJ321IPS13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 656779 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 4244 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700244 | 2011–2017 |
Established 1 January 1890. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Union Federal Savings and Loan Association's data.
Union Federal Savings and Loan Association's data
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Union 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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