Applications / Mortgage Analytics / Lenders / Iowa / Luana Savings Bank
Luana, IA · State non-member bank · FDIC · $2.2 billion assets · 648 loans in 2025
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648
loans originated, 2025
722
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Luana Savings Bank is an Iowa bank lending almost entirely on conventional loans, ranked 3 of 189 lenders in Ames and 10 of 396 in Des Moines-West Des Moines, while its originations slipped 3% in 2025 as similar lenders grew.
It made 648 loans in 2025 against 671 in 2024, a fall of 3%, while similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%. That put its growth below more than four in five of them. Its dollar volume still rose, to $216.9 million from $185.2 million, as its typical loan rose to $255,000 from $195,000.
Its share in Ames rose 3.4 points to 4.7%. In Des Moines-West Des Moines, where GreenState Credit Union ranks first, its share fell 0.9 points to 2.3%. Its dollar volume rose overall, so the Des Moines fall may reflect a shift of its lending between markets rather than less lending.
Every loan was conventional, none was higher-priced (a rate well above the average for similar loans), against 1.6% at similar lenders, and its typical rate of 6.12% was lower than about nine in ten of them. Its denial rate on first-lien home-purchase applications was 1.9%, against 5.3%.
Areas of LMI (low- and moderate-income) households took 6.3% of its loans, against 15.5%, among the lowest of similar lenders. That may reflect the mix of areas in the 55 counties it serves, mostly in Iowa.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Luana Savings Bank took 722 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.4% · Refinance 30.6% · Home improvement 3.1% · Other 2.0%
Conventional 100.0% · of 648 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 |
|---|---|---|
| Iowa | 634 | 97.8% |
| Wisconsin | 7 | 1.1% |
| Minnesota | 4 | 0.6% |
| Illinois | 1 | 0.2% |
| Missouri | 1 | 0.2% |
| Nebraska | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 414 |
| Ames | 23 |
| Waterloo-Cedar Falls | 15 |
| Cedar Rapids | 9 |
| Iowa City | 5 |
| Duluth | 2 |
| Davenport-Moline-Rock Island | 1 |
| Decatur | 1 |
| La Crosse-Onalaska | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IZ5GOBKOERL931 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 674849 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3253 | 2008–2017 |
Established 1 August 1908. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Luana Savings Bank's data.
Luana Savings Bank's data
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Luana Savings Bank 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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