Central Federal Savings and Loan Association
Central Federal Savings and Loan Association received 69 applications in 2025 and made 55 mortgages, in 9 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $645,000. Of 60 decisions, 5 were denials — 8.3%, most often for debt-to-income ratio. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 21380054U5NKZKBQ4128 |
|---|---|
| Applications received | 69 |
| Mortgages made | 55 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Central Federal Savings and Loan Association, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 40 | Not published | $770,000 | 7.0% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where Central Federal Savings and Loan Association lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 39 | Not published | 11.4% |
| Lake County, IL | 4 | Under 10 loans | 0.0% |
| DuPage County, IL | 3 | Under 10 loans | 0.0% |
| Will County, IL | 3 | Under 10 loans | 0.0% |
| Kendall County, IL | 2 | Under 10 loans | 0.0% |
| McHenry County, IL | 2 | Under 10 loans | 0.0% |
| Grundy County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 0.0% |
| St. Clair County, IL | 0 | Under 10 loans | Not published |
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When Central Federal Savings and Loan Association’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.