PlainLender

Generations Bank

Rogers, AR

Generations Bank processed 443 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 344 loans with a 10.2% denial rate. Home Purchase was the primary loan purpose. Based in Rogers, AR. The approval rate of 77.7% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Generations Bank processed 443 HMDA-reported mortgage applications in 2024, originating 344 loans and denying 45 for a denial rate of 10.2% (applicants themselves withdrew 12 files before a decision). The average loan amount was $320,327 at a 7.160% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 549300QWJ3UDIX8KBP64 from Rogers, AR.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Generations Bank's 77.7% origination rate tells you how often an application turned into funded money; the 10.2% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (440 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

443
Applications
344
Originated
10.2%
Denial Rate
$320,327
Avg Loan Amount
Avg Interest Rate: 7.160% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 440 344 44 $321,182
FHA 2 0 1 $210,000
USDA 1 0 0 $165,000

Top loan types — Generations Bank

Top loan types — Generations Bank Horizontal bar chart of the top 3 items by value (applications). Top loan types — Generations Bank Top 3 1. Conventional 440 2. FHA 2 3. USDA 1 Top 5 loan types by application volume at Generations Bank (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Generations Bank (LEI: 549300QWJ3UDIX8KBP64) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
21
Debt-to-income ratio
16
Collateral
5
Unverifiable information
4
Insufficient cash
2
Other
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 347 285 $332,579
Refinancing 53 31 $357,075
Other 18 10 $125,556
Cash-out Refinancing 16 12 $313,750
Home Improvement 9 6 $32,778

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 319 76.8% 10.7%
Asian 19 73.7% 0.0%
Black or African American 11 45.5% 45.5%
Joint 5 80.0% 20.0%
American Indian or Alaska Native 2 50.0% 50.0%
Native Hawaiian or Other Pacific Islander 2 50.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 309 75.1% 11.7%
Hispanic or Latino 55 81.8% 9.1%
Joint 6 83.3% 0.0%

Nearby Lenders in AR

Other HMDA-reporting lenders in AR with similar activity. Compare any two side-by-side.

BANK OF ENGLAND

ENGLAND, AR

5,645 apps 3,672 originated 5.4% denied

SIMMONS BANK

PINE BLUFF, AR

5,087 apps 3,161 originated 24.0% denied

Centennial Bank

Conway, AR

4,878 apps 2,631 originated 17.7% denied

BANK OZK

LITTLE ROCK, AR

4,543 apps 1,840 originated 34.5% denied

ARKANSAS FEDERAL CREDIT UNION

LITTLE ROCK, AR

4,140 apps 2,432 originated 22.0% denied
Compare Generations Bank vs BANK OF ENGLAND →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Generations Bank process?
Generations Bank processed 443 mortgage applications in the 2023 HMDA reporting year. Of these, 344 were originated (approved and funded), 12 were withdrawn by the applicant, and 45 were denied.
What is Generations Bank's mortgage approval rate?
Generations Bank has an approval (origination) rate of 77.7%, meaning 77.7% of all applications resulted in a funded mortgage. The denial rate is 10.2%.
What is the average loan amount at Generations Bank?
The average mortgage loan amount at Generations Bank is $320,327. The average interest rate is 7.160%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at Generations Bank?
The most common reasons for mortgage denial at Generations Bank are: Credit history, Debt-to-income ratio, Collateral. In total, 45 applications were denied out of 443 total applications.
What types of mortgage loans does Generations Bank offer?
Generations Bank processes Conventional, FHA, USDA loans. The most common type is Conventional with 440 applications and an average loan amount of $321,182.
What loan purposes does Generations Bank serve?
Generations Bank serves the following loan purposes: Home Purchase (347 applications), Refinancing (53 applications), Other (18 applications), Cash-out Refinancing (16 applications), Home Improvement (9 applications). Home Purchase is the most common purpose.
Where is Generations Bank located?
Generations Bank is headquartered in Rogers, AR. The lender is identified by LEI 549300QWJ3UDIX8KBP64 in HMDA data.
How does Generations Bank compare in lending across racial demographics?
Generations Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 76.8% and denial rate of 10.7%; Asian applicants have an approval rate of 73.7% and denial rate of 0.0%; Black or African American applicants have an approval rate of 45.5% and denial rate of 45.5%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.