Generations Bank mortgage approval rate & lending review
Generations Bank decided 784 mortgage applications and funded 654 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Generations Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Generations Bank at a glance
Approval is 9.2 points above the 84.9% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Generations Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Benton County, AR | Mortgage lenders | 97% | 236 | 201 |
| Washington County, AR | Mortgage lenders | 96% | 183 | 152 |
| Benton County, AR | Investment property purchase | 98% | 98 | 91 |
| Benton County, AR | Refinance | 88% | 49 | 35 |
| Washington County, AR | Investment property purchase | 100% | 29 | 26 |
| Benton County, AR | Investment refinance | 86% | 29 | 23 |
| Washington County, AR | Refinance | 85% | 20 | 13 |
The county markets where Generations Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Generations Bank
What is Generations Bank's mortgage approval rate?
Generations Bank approved 94.1% of the 784 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.2 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan Generations Bank offers?
Borrowers accepted 89% of the loans Generations Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Generations Bank make?
The typical home purchase mortgage loan Generations Bank made was $305K; across all loan types its typical loan ran from $215K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Generations Bank lend?
Generations Bank decided applications in 17 of the states Fat Boy Data covers, most of them in Arkansas, Florida and Missouri.
Can I apply to Generations Bank directly?
Yes. Generations Bank is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Generations Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Generations Bank treats applications, then get a rate quote from the lender.