Central Bank Illinois at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
83rd3.1% deniedProcesswithdrawn + incomplete share, weight 15%
57th10.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 382 | 337 | 2.4% | 2.6% | 6.85% | $65M |
| 2024 | 366 | 306 | 3.8% | 4.4% | — | $61M |
| 2025 | 390 | 340 | 2.8% | 3.1% | — | $63M |
What Central Bank Illinois 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, 5 manufactured homes, 122 investment properties.
Who gets approved at Central Bank Illinois
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 69 | 54 | 6.9% |
| $50k – $100k | 119 | 98 | 4.9% |
| $100k – $150k | 65 | 60 | 0.0% |
| $150k – $250k | 50 | 44 | 0.0% |
| Over $250k | 23 | 22 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 17 | 0.0% |
| 25–34 | 71 | 57 | 6.6% |
| 35–44 | 69 | 58 | 1.7% |
| 45–54 | 68 | 57 | 3.4% |
| 55–64 | 45 | 41 | 2.4% |
| 65–74 | 47 | 42 | 2.3% |
Where Central Bank Illinois lends
9 states and 42 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Central Bank Illinois denied 3.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 83rd percentile of small mortgage lenders.
In 2025, 59% of its applications were for home purchases, 31% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% 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.