Lender profile · HMDA 2023–2025
Generations Bank mortgage approval rates & lending data
Generations Bank decided 784 mortgage applications and funded 654 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 425 / 446 | 88% | $305K | 372 |
| Cash-out refinance | 80% | 24 / 30 | 92% | $215K | 22 |
| Refinance | 86% | 64 / 74 | 81% | $305K | 52 |
| Investment property purchase | 98% | 177 / 181 | 92% | $365K | 163 |
| Investment refinance | 89% | 34 / 38 | 91% | $325K | 31 |
Generations Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arkansas | 94% | $305K | 722 | 606 |
| Florida | 92% | $575K | 13 | 9 |
| Missouri | 70% | $135K | 10 | 6 |
| Pennsylvania | 100% | $355K | 8 | 6 |
| Colorado | 100% | $495K | 7 | 7 |
| Arizona | 100% | $575K | 4 | 3 |
| Texas | 100% | $295K | 4 | 4 |
| California | 67% | $455K | 3 | 2 |
| Alabama | 100% | $615K | 2 | 2 |
| Georgia | 100% | $305K | 2 | 1 |
| North Dakota | 100% | $765K | 2 | 2 |
| Tennessee | 100% | $595K | 2 | 2 |
| Illinois | 100% | — | 1 | 0 |
| Kansas | 100% | $415K | 1 | 1 |
| Maryland | 100% | $485K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.