Right then, I'll give it to you straight: there are just too many of those kind of characters, and all of them that I have seen without exception have been generic as fuck.
They are all from a world that can be described as "just like our world except X mythology is real". Which is not a terrible concept, except X mythology is always some vague, uninspired 'twist' on a popular mythology like Judeo-Christian angels and demons, Celtic faeries or vampireswerewolvessirenspsychics blah blah blah. No one ever seems to think to look into any more varied world mythologies, to do some more in-depth research about the mythological underpinnings (you'll never find a world where you have Jewish holy men banishing the toilet demon with combinations of letters from God's name, even though that is a real thing), or to think of a genuinely unusual twist on all the the vampires and werewolves (c'mon, even the original White Wolf people could do that!). The resulting mythological creatures are always the Beautiful People, they always seem to inhabit only major cities in the Western world and have fancy jobs and mysterious organizations that don't really seem to do much (except 'protect normals' or fight among themselves or preserve the Veil/Masquerade/whatthefuckever). Their existence never seems to impact the world in any meaningful way, which generally gives the appearance that the writer hasn't really thought their cunning plan all the way through and has no understanding of how the world works because goddamn would it not be "just like our world" if vampires were real and have been real for all of human history I mean come on. The world always seems to be convoluted and uninspired and tailored just for the needs of a very specific character or plot without any wider sense of... anything.
And the characters suffer from the same problem. They all seem to blend into the same beautiful but troubled young woman, generically sexy but bumbling guy, Suave Supernatural Seducer, you can enumerate and count the types. They all have very exotic and mysterious backgrounds and complicated life stories inevitably revolving around Secret War, family issues, romance and betrayal. These life stories leave them all with the same sarcastic, sassy attitude hiding a sensitive and wounded inner core, with the same trust issues, the same wannabe-tough practicality, and the same lack of engagement with the world at large beyond their personal woes. And for some reason sex always plays a very prominent role in their characters or lives, which is just fine except it's always like this. The women are all Strong, the men are all cute, none of them is ever over thirty (unless they're immortal and don't look or act it), none of them ever has a real job or a family without Very Exciting Problems or lives anywhere except Generic Western City.
I'm not saying it's impossible to create an urban fantasy character that's different. And hell, I'm not even saying you shouldn't create a character like that if that's what strikes your fancy. Play what you like! Write what you enjoy! You're not doing this for anyone but yourself. But since you asked, my problem with urban fantasy OCs is that their writers inevitably look as though they haven't read anything but urban fantasy. The world, the characters, always seem to be coming from within a closed system that has a finite number of templates, elements of which are continuously being recycled in minutely different configurations (or parodied, badly), with no new ideas ever being added or the limits of the world and genre ever expanded upon. If you want to write a good urban fantasy story and character, my honest advice is, start by going to the library and reading up on some real world city and its history, or some real world mythology that you've never heard of before, or some good investigative journalism, or really, anything but urban fantasy.
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They are all from a world that can be described as "just like our world except X mythology is real". Which is not a terrible concept, except X mythology is always some vague, uninspired 'twist' on a popular mythology like Judeo-Christian angels and demons, Celtic faeries or vampireswerewolvessirenspsychics blah blah blah. No one ever seems to think to look into any more varied world mythologies, to do some more in-depth research about the mythological underpinnings (you'll never find a world where you have Jewish holy men banishing the toilet demon with combinations of letters from God's name, even though that is a real thing), or to think of a genuinely unusual twist on all the the vampires and werewolves (c'mon, even the original White Wolf people could do that!). The resulting mythological creatures are always the Beautiful People, they always seem to inhabit only major cities in the Western world and have fancy jobs and mysterious organizations that don't really seem to do much (except 'protect normals' or fight among themselves or preserve the Veil/Masquerade/whatthefuckever). Their existence never seems to impact the world in any meaningful way, which generally gives the appearance that the writer hasn't really thought their cunning plan all the way through and has no understanding of how the world works because goddamn would it not be "just like our world" if vampires were real and have been real for all of human history I mean come on. The world always seems to be convoluted and uninspired and tailored just for the needs of a very specific character or plot without any wider sense of... anything.
And the characters suffer from the same problem. They all seem to blend into the same beautiful but troubled young woman, generically sexy but bumbling guy, Suave Supernatural Seducer, you can enumerate and count the types. They all have very exotic and mysterious backgrounds and complicated life stories inevitably revolving around Secret War, family issues, romance and betrayal. These life stories leave them all with the same sarcastic, sassy attitude hiding a sensitive and wounded inner core, with the same trust issues, the same wannabe-tough practicality, and the same lack of engagement with the world at large beyond their personal woes. And for some reason sex always plays a very prominent role in their characters or lives, which is just fine except it's always like this. The women are all Strong, the men are all cute, none of them is ever over thirty (unless they're immortal and don't look or act it), none of them ever has a real job or a family without Very Exciting Problems or lives anywhere except Generic Western City.
I'm not saying it's impossible to create an urban fantasy character that's different. And hell, I'm not even saying you shouldn't create a character like that if that's what strikes your fancy. Play what you like! Write what you enjoy! You're not doing this for anyone but yourself. But since you asked, my problem with urban fantasy OCs is that their writers inevitably look as though they haven't read anything but urban fantasy. The world, the characters, always seem to be coming from within a closed system that has a finite number of templates, elements of which are continuously being recycled in minutely different configurations (or parodied, badly), with no new ideas ever being added or the limits of the world and genre ever expanded upon. If you want to write a good urban fantasy story and character, my honest advice is, start by going to the library and reading up on some real world city and its history, or some real world mythology that you've never heard of before, or some good investigative journalism, or really, anything but urban fantasy.