Purchase Originations
298
Median Total Costs
$1,392
−79.2% vs national ($6,680)
↑ $31 vs prior year
Median Rate
6.100%
−6.0% vs national (6.490%)
↓ 0.400% vs prior year
Median Origination
$0
Median Lender Credits
$83
Denial Rate
1.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 298 | 6.100% | $1,392 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $991 | 5.900% | — | 2 | −$401 | |
| 2 | $1,111 | 6.312% | — | 2 | −$281 | |
| 3 | $1,143 | 6.000% | — | 14 | −$249 | |
| 4 | $1,167 | 6.350% | — | 13 | −$225 | |
| 5 | $1,215 | 5.688% | — | 4 | −$177 | |
| 6 | $1,249 | 6.450% | — | 1 | −$143 | |
| 7 | $1,269 | 5.987% | — | 4 | −$123 | |
| 8 | $1,288 | 6.188% | — | 2 | −$104 | |
| 9 | $1,296 | 6.088% | — | 10 | −$96 | |
| 10 | $1,347 | 5.825% | — | 2 | −$45 | |
| 11 | $1,368 | 6.250% | — | 7 | −$24 | |
| 12 | $1,371 | 6.025% | — | 66 | −$21 | |
| 13 | $1,379 | 6.125% | — | 99 | −$13 | |
| 14 | $1,402 | 6.312% | — | 2 | +$10 | |
| 15 | $1,449 | 6.100% | — | 20 | +$57 | |
| 16 | $1,498 | 6.375% | — | 3 | +$106 | |
| 17 | $1,533 | 6.312% | — | 2 | +$141 | |
| 18 | $1,554 | 6.000% | — | 25 | +$162 | |
| 19 | $1,747 | 6.338% | — | 2 | +$355 | |
| 20 | $1,868 | 6.150% | — | 4 | +$476 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Luana Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $290,000 | $335,000 | −$45,000 (−13.4%) |
| Median total closing costs | $1,392 | $7,127 | −$5,735 (−80.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.