Purchase Originations
778
Ranked #467 nationally
Median Total Costs
$7,630
+14.2% vs national ($6,680)
↑ $71 vs prior year
Median Rate
6.624%
+2.1% vs national (6.490%)
↓ 0.001% vs prior year
Median Origination
$3,605
Median Lender Credits
$170
Cost Rank (500+ vol.)
#417
among lenders with 500+ originations
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 596 | 6.625% | $6,455 | $3,468 |
| fha | 139 | 6.250% | $15,210 | $4,492 |
| va | 43 | 6.000% | $9,679 | $4,335 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 328 | 6.625% | $9,718 | #111 |
| Washington | 282 | 6.624% | $7,041 | #50 |
| Oregon | 133 | 6.490% | $5,849 | #59 |
| Utah | 22 | 6.250% | $6,131 | — |
| Idaho | 5 | 5.990% | $5,585 | — |
| Colorado | 3 | 6.875% | $6,023 | — |
| Nevada | 3 | 6.250% | $5,047 | — |
| Arizona | 2 | 6.808% | $9,007 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,588 | 6.308% | — | 10 | −$3,042 | |
| 2 | $5,575 | 6.500% | — | 9 | −$2,055 | |
| 3 | $5,579 | 6.624% | — | 16 | −$2,051 | |
| 4 | $5,616 | 6.375% | — | 58 | −$2,014 | |
| 5 | $6,152 | 6.624% | — | 99 | −$1,478 | |
| 6 | $6,517 | 6.490% | — | 32 | −$1,113 | |
| 7 | $6,961 | 6.490% | — | 13 | −$669 | |
| 8 | $7,062 | 6.624% | — | 62 | −$568 | |
| 9 | $7,308 | 6.375% | — | 13 | −$322 | |
| 10 | $7,375 | 6.990% | — | 15 | −$255 | |
| 11 | $7,691 | 6.624% | — | 17 | +$61 | |
| 12 | $7,777 | 6.312% | — | 20 | +$147 | |
| 13 | $8,557 | 6.625% | — | 57 | +$927 | |
| 14 | $8,580 | 6.750% | — | 16 | +$950 | |
| 15 | $8,749 | 6.495% | — | 42 | +$1,119 | |
| 16 | $8,868 | 6.499% | — | 6 | +$1,238 | |
| 17 | $9,060 | 6.624% | — | 35 | +$1,430 | |
| 18 | $10,738 | 6.625% | — | 15 | +$3,108 | |
| 19 | $10,802 | 6.625% | — | 17 | +$3,172 | |
| 20 | $11,510 | 6.500% | — | 121 | +$3,880 |
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 Home Loans, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $445,000 | $335,000 | +$110,000 (+32.8%) |
| Median total closing costs | $7,630 | $7,127 | +$503 (+7.1%) |
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.