Generations Home Loans, LLC Mortgage Lending & HMDA Data, 2024
In 2024, Generations Home Loans, LLC of Modesto, CA reported 1,305 mortgage applications totaling $612.4 million, up 194% from 2023. The average application was for $469,252, and applicants reported an average income of $174,530. 68% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Modesto, CA (206), Portland-Vancouver-Hillsboro, OR-WA (183) and Sacramento--Roseville--Arden-Arcade, CA (179) (applications in parentheses).
| Mortgage Company & Address | Generations Home Loans, LLC 1156 Scenic Drive Suite 200 Modesto, CA 95350 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,305 |
| Total Mortgage Loan Application Amount | $612,375,000 |
| Average Mortgage Loan Application Amount | $469,252 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $174,530 |
| Highest Applicant Income | $2,532,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Generations Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Stanislaus, California | 206 | $ 81,010,000 | $ 393,252 | $ 139,000 |
| King, Washington | 162 | $ 112,930,000 | $ 697,098 | $ 248,000 |
| Sacramento, California | 104 | $ 41,000,000 | $ 394,230 | $ 144,000 |
| Multnomah, Oregon | 83 | $ 37,865,000 | $ 456,204 | $ 178,000 |
| Snohomish, Washington | 77 | $ 42,465,000 | $ 551,493 | $ 189,000 |
| San Joaquin, California | 70 | $ 29,850,000 | $ 426,428 | $ 153,000 |
| Spokane, Washington | 58 | $ 19,920,000 | $ 343,448 | $ 117,000 |
| Clark, Washington | 52 | $ 22,120,000 | $ 425,384 | $ 168,000 |
| Pierce, Washington | 51 | $ 27,255,000 | $ 534,411 | $ 288,000 |
| Kitsap, Washington | 48 | $ 21,660,000 | $ 451,250 | $ 186,000 |
| Placer, California | 44 | $ 20,750,000 | $ 471,590 | $ 152,000 |
| Merced, California | 30 | $ 9,830,000 | $ 327,666 | $ 99,000 |
| Washington, Oregon | 25 | $ 11,615,000 | $ 464,600 | $ 144,000 |
| Riverside, California | 24 | $ 11,090,000 | $ 462,083 | $ 158,000 |
| El Dorado, California | 21 | $ 9,935,000 | $ 473,095 | $ 184,000 |
| Clackamas, Oregon | 18 | $ 8,360,000 | $ 464,444 | $ 179,000 |
| Skagit, Washington | 14 | $ 8,010,000 | $ 572,142 | $ 204,000 |
| Marion, Oregon | 11 | $ 3,475,000 | $ 315,909 | $ 95,000 |
| Whatcom, Washington | 11 | $ 4,815,000 | $ 437,727 | $ 178,000 |
| Yolo, California | 10 | $ 4,720,000 | $ 472,000 | $ 184,000 |
| Thurston, Washington | 10 | $ 5,260,000 | $ 526,000 | $ 145,000 |
| Chelan, Washington | 9 | $ 3,505,000 | $ 389,444 | $ 111,000 |
| Tuolumne, California | 8 | $ 1,900,000 | $ 237,500 | $ 115,000 |
| Calaveras, California | 7 | $ 2,765,000 | $ 395,000 | $ 128,000 |
| Island, Washington | 7 | $ 4,285,000 | $ 612,142 | $ 232,000 |
| Salt Lake, Utah | 6 | $ 3,680,000 | $ 613,333 | $ 191,000 |
| Contra Costa, California | 5 | $ 2,645,000 | $ 529,000 | $ 139,000 |
| Madera, California | 5 | $ 1,815,000 | $ 363,000 | $ 130,000 |
| Nevada, California | 5 | $ 2,225,000 | $ 445,000 | $ 149,000 |
| Solano, California | 5 | $ 1,775,000 | $ 355,000 | $ 173,000 |
| Sutter, California | 5 | $ 1,835,000 | $ 367,000 | $ 104,000 |
| Yuba, California | 5 | $ 1,575,000 | $ 315,000 | $ 92,000 |
| Alameda, California | 4 | $ 3,300,000 | $ 825,000 | $ 193,000 |
| Fresno, California | 4 | $ 1,190,000 | $ 297,500 | $ 128,000 |
| Santa Clara, California | 4 | $ 2,720,000 | $ 680,000 | $ 614,000 |
| Sonoma, California | 4 | $ 1,940,000 | $ 485,000 | $ 105,000 |
| Tulare, California | 4 | $ 1,240,000 | $ 310,000 | $ 79,000 |
| Deschutes, Oregon | 4 | $ 2,160,000 | $ 540,000 | $ 203,000 |
| Jefferson, Washington | 4 | $ 1,630,000 | $ 407,500 | $ 215,000 |
| San Diego, California | 3 | $ 2,205,000 | $ 735,000 | $ 295,000 |
| San Francisco, California | 3 | $ 3,095,000 | $ 1,031,666 | $ 635,000 |
| Columbia, Oregon | 3 | $ 1,135,000 | $ 378,333 | $ 105,000 |
| Linn, Oregon | 3 | $ 725,000 | $ 241,666 | $ 90,000 |
| Davis, Utah | 3 | $ 1,285,000 | $ 428,333 | $ 93,000 |
| Benton, Washington | 3 | $ 835,000 | $ 278,333 | $ 102,000 |
| Douglas, Washington | 3 | $ 745,000 | $ 248,333 | $ 105,000 |
| Kittitas, Washington | 3 | $ 1,635,000 | $ 545,000 | $ 206,000 |
| Pinal, Arizona | 2 | $ 750,000 | $ 375,000 | $ 117,000 |
| Amador, California | 2 | $ 760,000 | $ 380,000 | $ 131,000 |
| Butte, California | 2 | $ 600,000 | $ 300,000 | $ 64,000 |
| Inyo, California | 2 | $ 370,000 | $ 185,000 | $ 95,000 |
| Kings, California | 2 | $ 480,000 | $ 240,000 | $ 126,000 |
| Los Angeles, California | 2 | $ 2,770,000 | $ 1,385,000 | $ 597,000 |
| Monterey, California | 2 | $ 1,060,000 | $ 530,000 | $ 84,000 |
| San Bernardino, California | 2 | $ 1,080,000 | $ 540,000 | $ 156,000 |
| Ada, Idaho | 2 | $ 920,000 | $ 460,000 | $ 161,000 |
| Kootenai, Idaho | 2 | $ 990,000 | $ 495,000 | $ 206,000 |
| Lane, Oregon | 2 | $ 510,000 | $ 255,000 | $ 154,000 |
| Yamhill, Oregon | 2 | $ 630,000 | $ 315,000 | $ 58,000 |
| Clallam, Washington | 2 | $ 540,000 | $ 270,000 | $ 93,000 |
| Cowlitz, Washington | 2 | $ 700,000 | $ 350,000 | $ 195,000 |
| Mason, Washington | 2 | $ 650,000 | $ 325,000 | $ 174,000 |
| Okanogan, Washington | 2 | $ 730,000 | $ 365,000 | $ 176,000 |
| Walla Walla, Washington | 2 | $ 750,000 | $ 375,000 | $ 150,000 |
| Pima, Arizona | 1 | $ 465,000 | $ 465,000 | $ 116,000 |
| Del Norte, California | 1 | $ 255,000 | $ 255,000 | $ 64,000 |
| Mono, California | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Orange, California | 1 | $ 935,000 | $ 935,000 | $ 312,000 |
| San Mateo, California | 1 | $ 675,000 | $ 675,000 | $ 227,000 |
| Shasta, California | 1 | $ 255,000 | $ 255,000 | $ 87,000 |
| Ventura, California | 1 | $ 285,000 | $ 285,000 | $ 69,000 |
| Arapahoe, Colorado | 1 | $ 355,000 | $ 355,000 | $ 240,000 |
| Douglas, Colorado | 1 | $ 1,475,000 | $ 1,475,000 | $ 779,000 |
| Washington, Idaho | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Benton, Oregon | 1 | $ 225,000 | $ 225,000 | $ 574,000 |
| Clatsop, Oregon | 1 | $ 615,000 | $ 615,000 | $ 728,000 |
| Hood River, Oregon | 1 | $ 445,000 | $ 445,000 | $ 122,000 |
| Josephine, Oregon | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Polk, Oregon | 1 | $ 365,000 | $ 365,000 | $ 90,000 |
| Tillamook, Oregon | 1 | $ 265,000 | $ 265,000 | $ 101,000 |
| Dallas, Texas | 1 | $ 395,000 | $ 395,000 | $ 92,000 |
| Travis, Texas | 1 | $ 415,000 | $ 415,000 | $ 96,000 |
| Summit, Utah | 1 | $ 765,000 | $ 765,000 | $ 561,000 |
| Utah, Utah | 1 | $ 605,000 | $ 605,000 | $ 221,000 |
| Lewis, Washington | 1 | $ 395,000 | $ 395,000 | $ 245,000 |
| Lincoln, Washington | 1 | $ 385,000 | $ 385,000 | $ 276,000 |
| Stevens, Washington | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Generations Home Loans, LLC in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,188 | $565,870,000 | $476,000 | $3,005,000 | $172,000 | $2,532,000 |
| Refinancing | 72 | $30,990,000 | $430,000 | $1,575,000 | $174,000 | $1,882,000 |
| Home Improvement | 44 | $15,240,000 | $346,000 | $1,065,000 | $246,000 | $1,917,000 |
| Cash-out Refinancing | 1 | $275,000 | $275,000 | $275,000 | $74,000 | $74,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 766 | $372,480,000 | $486,000 | $2,175,000 | $183,000 | $1,917,000 |
| Hispanic | 220 | $87,780,000 | $399,000 | $1,385,000 | $144,000 | $1,882,000 |
| Not Provided | 193 | $92,535,000 | $479,000 | $2,325,000 | $176,000 | $650,000 |
| Asian | 65 | $35,255,000 | $542,000 | $3,005,000 | $216,000 | $2,532,000 |
| Black or African American | 49 | $18,905,000 | $385,000 | $1,145,000 | $131,000 | $555,000 |
| American Indian or Alaskan Native | 9 | $3,875,000 | $430,000 | $885,000 | $156,000 | $377,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,545,000 | $515,000 | $635,000 | $130,000 | $173,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,028 | $485,890,000 | $472,000 | $3,005,000 | $188,000 | $2,532,000 |
| FHA-insured (Federal Housing Administration) | 199 | $84,165,000 | $422,000 | $755,000 | $117,000 | $377,000 |
| VA-guaranteed (Veterans Administration) | 77 | $42,005,000 | $545,000 | $1,525,000 | $146,000 | $383,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $315,000 | $315,000 | $315,000 | $88,000 | $88,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 891 | $423,715,000 | $475,000 | $2,325,000 | $182,000 | $1,917,000 |
| Application Withdrawn By Applicant | 290 | $133,120,000 | $459,000 | $3,005,000 | $169,000 | $2,532,000 |
| Preapproval Approved but not Accepted | 95 | $45,305,000 | $476,000 | $1,365,000 | $141,000 | $460,000 |
| Application Denied By Financial Institution | 18 | $5,620,000 | $312,000 | $655,000 | $86,000 | $175,000 |
| Preapproval Denied by Financial Institution | 6 | $1,970,000 | $328,000 | $545,000 | $59,000 | $90,000 |
| File Closed For Incompleteness | 5 | $2,645,000 | $529,000 | $1,355,000 | $206,000 | $342,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,281 | $604,785,000 | $472,000 | $3,005,000 | $176,000 | $2,532,000 |
| Debt-To-Income Ratio | 13 | $3,995,000 | $307,000 | $545,000 | $70,000 | $175,000 |
| Credit History | 4 | $1,410,000 | $352,000 | $655,000 | $126,000 | $167,000 |
| Collateral | 3 | $975,000 | $325,000 | $415,000 | $86,000 | $90,000 |
| Other | 2 | $480,000 | $240,000 | $255,000 | $56,000 | $64,000 |
| Employment History | 2 | $730,000 | $365,000 | $365,000 | $64,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Generations Home Loans, LLC's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Generations Home Loans, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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