# Generations Bank

> **Canonical URL:** https://saferate.com/lenders/generations-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Generations Bank is a bank, headquartered in Rogers, AR, serving borrowers across 10 states, with 251 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300QWJ3UDIX8KBP64
- **Headquarters:** Rogers, AR
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AR, CA, FL, KY, MO, NC, ND, OK, TN, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.147%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,159
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 251
- **Dollar Volume:** $79 million
- **Applications Received:** 321
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $313,645
- **Average Borrower Income:** $181,641
- **Average Property Value:** $451,892

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 249 | +0.145% | $1,161 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 219 loans, Score: 57/100 (Sound)
- Refinance: 30 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 221 | $70M | +0.146% | Sound ☺️ |
| Refinance | 46/100 | 30 | $9M | +0.157% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 176 | 0.55% | 76/100 |
| MO | 65 | 0.09% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fayetteville | AR | 152 | 81/100 |
| Non |  | 79 | 54/100 |

## Where This Lender Ranks

Generations Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Fayetteville
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders)
- 🥈 **#2** in Fayetteville Banks
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks)
- 🥉 **#3** in Fayetteville for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Arkansas Banks
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks)
- 🏆 **#9** in Arkansas
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders)
- 🏆 **#10** in Fayetteville for Conventional Loans
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Arkansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Generations Bank offer?

Generations Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Generations Bank offer mortgages?

Generations Bank offers mortgages in 10 states: AR, CA, FL, KY, MO, NC, ND, OK, TN, TX.

### How competitive are Generations Bank's mortgage rates?

Generations Bank has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.147% above market average.

### What type of lender is Generations Bank?

Generations Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Rogers, AR.

### What is Generations Bank's loan approval success rate?

Generations Bank has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/generations-bank

### How to Cite

> "Generations Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/generations-bank

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