Purchase Originations
158
Median Total Costs
$3,402
−49.1% vs national ($6,680)
↑ $270 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$895
Median Lender Credits
$925
Denial Rate
6.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 158 | 6.375% | $3,402 | $895 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,990 | 8.250% | — | 1 | −$1,412 | |
| 2 | $2,011 | 8.250% | — | 1 | −$1,391 | |
| 3 | $2,329 | 6.500% | — | 1 | −$1,073 | |
| 4 | $2,408 | 6.375% | — | 1 | −$994 | |
| 5 | $2,482 | 6.625% | — | 3 | −$920 | |
| 6 | $2,484 | 6.500% | — | 3 | −$918 | |
| 7 | $2,873 | 6.500% | — | 4 | −$529 | |
| 8 | $3,021 | 6.625% | — | 10 | −$381 | |
| 9 | $3,167 | 6.500% | — | 1 | −$235 | |
| 10 | $3,350 | 6.125% | — | 3 | −$52 | |
| 11 | $3,577 | 6.250% | — | 72 | +$175 | |
| 12 | $3,580 | 6.000% | — | 2 | +$178 | |
| 13 | $3,626 | 6.750% | — | 1 | +$224 | |
| 14 | $3,773 | 6.625% | — | 1 | +$371 | |
| 15 | $3,835 | 6.375% | — | 1 | +$433 | |
| 16 | $3,855 | 6.375% | — | 53 | +$453 |
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 | Generations Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $3,402 | $7,127 | −$3,725 (−52.3%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.