Logan Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
34th13.6% deniedProcesswithdrawn + incomplete share, weight 15%
64th8.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 273 | 167 | 20.5% | 24.1% | — | $19M |
| 2024 | 244 | 161 | 20.1% | 22.9% | — | $23M |
| 2025 | 250 | 194 | 12.4% | 13.6% | — | $27M |
What Logan Bank & Trust 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, 67 manufactured homes, 23 investment properties.
Why Logan Bank & Trust denies applications
Primary reason reported for each of the 31 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Logan Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 38 | 24 | 29.4% |
| $50k – $100k | 98 | 79 | 12.1% |
| $100k – $150k | 58 | 45 | 11.5% |
| $150k – $250k | 35 | 31 | 3.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 26 | 21 | 16.0% |
| 25–34 | 50 | 38 | 11.4% |
| 35–44 | 44 | 28 | 18.9% |
| 45–54 | 42 | 34 | 17.1% |
| 55–64 | 48 | 38 | 11.6% |
| 65–74 | 21 | 20 | 4.8% |
Where Logan Bank & Trust lends
3 states and 4 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| West Virginia | 208 | 159 | 13.5% | — | #58 |
Frequently asked questions
Logan Bank & Trust denied 13.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 34th percentile of small mortgage lenders.
The most common reason Logan Bank & Trust gave in 2025 was "credit history", cited on 74.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 64% of its applications were for home purchases, 20% for refinancing (including cash-out), and 16% 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.