Luana Savings Bank in Iowa vs the state
2.7%Denial rate-10.17 pts vs state
2.9%Decision denial rate-12.40 pts vs state
89.8%Origination rate+21.34 pts vs state
6.13%Median rate-0.38 pts vs state
-0.28Rate spread (pts)-0.47 pts vs state
$150kMedian applicant income
634Loans originated
19Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 616 | 534 | 2.6% | 6.75% | #28 |
| 2024 | 780 | 660 | 3.5% | 6.63% | #23 |
| 2025 | 706 | 634 | 2.7% | 6.13% | #34 |
What Luana Savings Bank lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Luana Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 271 | 237 | 9 | 3.3% |
| Dallas County | 130 | 120 | 1 | 0.8% |
| Warren County | 42 | 39 | 0 | 0.0% |
| Clayton County | 41 | 33 | 1 | 2.4% |
| Allamakee County | 33 | 30 | 1 | 3.0% |
| Story County | 21 | 20 | 0 | 0.0% |
| Fayette County | 20 | 20 | 0 | 0.0% |
| Winneshiek County | 19 | 17 | 0 | 0.0% |
| Chickasaw County | 18 | 14 | 4 | 22.2% |
| Black Hawk County | 11 | 11 | 0 | 0.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 706 applications in 2025, of which 634 were originated and 19 denied.
2.7% of all applications, or 2.9% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Luana Savings Bank originated in Iowa in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Luana Savings Bank's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology