Sixth in Modesto
It ranks 6 of 323 lenders in Modesto, where its share rose to 3.1% from 2.4%. It has lent there since 2011. United Wholesale Mortgage leads that market.
Applications / Mortgage Analytics / Lenders / California / Generations Home Loans
Generations Home Loans
Modesto, CA · Independent non-bank lender · CFPB · 1,069 loans in 2025
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1,069
loans originated, 2025
1,451
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Generations Home Loans, a Modesto lender of home-purchase loans, grew 20% in 2025 and ranks sixth in its home market.
Growing faster than its peers
Its loans rose to 1,069 from 891, while similar lenders (independent non-bank lenders making between half and twice as many loans) grew 3% and the whole market 10%. That continues a rebound from 279 loans in 2023, though it remains below the 1,661 of 2020. It has also moved into new markets: Seattle and Portland in 2024, Reno and St. George, Utah, in 2025.
Buyers with bigger loans
Purchases made up 87.4% of its loans. Its typical loan was $425,000, against $315,000 at similar lenders, and 3.8% were jumbo, larger than the conforming limit, against 1.1%. It turned down 2.9% of first-lien home-purchase applications on owner-occupied homes, close to its peers' 3.2%.
Fewer modest-income borrowers
Borrowers with low or moderate incomes took 17.2% of its loans, against 27.6% at similar lenders; about three in four peers had a higher share. Its larger loans may account for much of that gap. In majority-minority neighborhoods its share, 28.9%, was close to its peers' 26.8%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
1,069 loans in 2025, against a peak of 1,661 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Generations Home Loans took 1,451 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
87.4% of its 2025 loans were purchase loans; 77.5% were conventional loans.
Purchase 87.4% · Refinance 9.4% · Home improvement 3.3%
Conventional 77.5% · FHA 17.9% · VA 4.6% · of 1,069 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
8 states, 40 metros, 78 counties
| State | Loans | Share |
|---|---|---|
| California | 509 | 47.6% |
| Washington | 358 | 33.5% |
| Oregon | 155 | 14.5% |
| Utah | 30 | 2.8% |
| Idaho | 6 | 0.6% |
| Nevada | 5 | 0.5% |
| Arizona | 3 | 0.3% |
| Colorado | 3 | 0.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Modesto | 196 |
| Sacramento-Roseville-Folsom | 146 |
| Portland-Vancouver-Hillsboro | 142 |
| Seattle-Bellevue-Kent | 125 |
| Everett | 73 |
| Stockton-Lodi | 57 |
| Tacoma-Lakewood | 46 |
| Merced | 32 |
| Bremerton-Silverdale-Port Orchard | 27 |
| Spokane-Spokane Valley | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WJIJV987NXVC31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4438133 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7270746986 |
Established 7 August 2009. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Generations Home Loans's data.
The data and the software behind these pages
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