Central Federal Savings & Loan Association Mortgage Lending & HMDA Data, 2025
In 2025, Central Federal Savings & Loan Association of Cicero, IL reported 72 mortgage applications totaling $39.0 million, up 89% from 2024. The average application was for $541,388, and applicants reported an average income of $259,861. 76% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Naperville, IL (60), Lake County-Kenosha County, IL-WI (4) and Elgin, IL (2) (applications in parentheses).
| Mortgage Company & Address | Central Federal Savings & Loan Association 5953 W. Cermak Road Cicero, IL 60804 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 |
| Total Number of Mortgage Applications | 72 |
| Total Mortgage Loan Application Amount | $38,980,000 |
| Average Mortgage Loan Application Amount | $541,388 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $259,861 |
| Highest Applicant Income | $845,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Central Federal Savings & Loan Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 50 | $ 27,040,000 | $ 540,800 | $ 261,000 |
| DuPage, Illinois | 4 | $ 2,410,000 | $ 602,500 | $ 466,000 |
| Lake, Illinois | 4 | $ 4,030,000 | $ 1,007,500 | $ 340,000 |
| Will, Illinois | 3 | $ 1,455,000 | $ 485,000 | $ 403,000 |
| Kendall, Illinois | 2 | $ 300,000 | $ 150,000 | $ 108,000 |
| McHenry, Illinois | 2 | $ 1,440,000 | $ 720,000 | $ 249,000 |
| Grundy, Illinois | 1 | $ 305,000 | $ 305,000 | $ 117,000 |
| St. Clair, Illinois | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Lake, Indiana | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Central Federal Savings & Loan Association in 2025
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 | 50 | $30,310,000 | $606,000 | $1,205,000 | $294,000 | $845,000 |
| Cash-out Refinancing | 11 | $2,555,000 | $232,000 | $455,000 | $129,000 | $535,000 |
| Refinancing | 8 | $4,170,000 | $521,000 | $1,125,000 | $208,000 | $466,000 |
| Home Improvement | 2 | $1,300,000 | $650,000 | $1,205,000 | $196,000 | $325,000 |
| Other Purpose | 1 | $645,000 | $645,000 | $645,000 | $535,000 | $535,000 |
| 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 | 41 | $28,275,000 | $689,000 | $1,205,000 | $339,000 | $842,000 |
| Hispanic | 17 | $4,835,000 | $284,000 | $725,000 | $100,000 | $285,000 |
| Not Provided | 8 | $4,630,000 | $578,000 | $1,125,000 | $308,000 | $845,000 |
| Black or African American | 5 | $1,085,000 | $217,000 | $635,000 | $82,000 | $140,000 |
| Asian | 1 | $155,000 | $155,000 | $155,000 | $68,000 | $68,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 70 | $38,750,000 | $553,000 | $1,205,000 | $267,000 | $845,000 |
| FHA-insured (Federal Housing Administration) | 2 | $230,000 | $115,000 | $175,000 | $50,000 | $52,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 55 | $33,215,000 | $603,000 | $1,205,000 | $308,000 | $845,000 |
| Application Withdrawn By Applicant | 8 | $3,030,000 | $378,000 | $1,205,000 | $110,000 | $325,000 |
| Application Denied By Financial Institution | 5 | $1,065,000 | $213,000 | $625,000 | $60,000 | $77,000 |
| Preapproval Approved but not Accepted | 2 | $730,000 | $365,000 | $405,000 | $81,000 | $84,000 |
| Preapproval Denied by Financial Institution | 1 | $365,000 | $365,000 | $365,000 | $24,000 | $24,000 |
| File Closed For Incompleteness | 1 | $575,000 | $575,000 | $575,000 | $156,000 | $156,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 66 | $37,550,000 | $568,000 | $1,205,000 | $274,000 | $845,000 |
| Debt-To-Income Ratio | 4 | $1,300,000 | $325,000 | $625,000 | $50,000 | $77,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $53,000 | $53,000 |
| Mortgage Insurance Denied | 1 | $55,000 | $55,000 | $55,000 | $52,000 | $52,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Federal Savings & Loan Association's 2025 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 Central Federal Savings & Loan Association'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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