Five Points Bank
Five Points Bank received 362 applications in 2025 and made 315 mortgages, in 44 counties across 15 states. The median rate its borrowers got was Not published on a median loan of $195,000. Of 323 decisions, 8 were denials — 2.5%.
| Legal Entity Identifier | 5493009DQQ81725XIJ49 |
|---|---|
| Applications received | 362 |
| Mortgages made | 315 |
| Denied | 8 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 39 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Five Points Bank, 16 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 195 | Not published | $245,000 | 0.5% |
| Refinancing | 45 | Not published | $185,000 | 6.3% |
| Cash-out refinancing | 31 | Not published | $125,000 | 3.1% |
| Other purposes | 44 | Not published | $55,000 | 6.4% |
Where Five Points Bank lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hall County, NE | 78 | Not published | 6.0% |
| Lancaster County, NE | 64 | Not published | 0.0% |
| Douglas County, NE | 55 | Not published | 1.8% |
| Buffalo County, NE | 31 | Not published | 0.0% |
| Sarpy County, NE | 17 | Not published | 5.6% |
| Howard County, NE | 12 | Not published | 0.0% |
| Adams County, NE | 7 | Under 10 loans | 0.0% |
| Merrick County, NE | 6 | Under 10 loans | 14.3% |
| Hamilton County, NE | 5 | Under 10 loans | 0.0% |
| Dawson County, NE | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Riverside County, CA | 2 | Under 10 loans | 0.0% |
| Valley County, ID | 2 | Under 10 loans | 0.0% |
| Gage County, NE | 2 | Under 10 loans | 0.0% |
| Kearney County, NE | 2 | Under 10 loans | 0.0% |
| Sherman County, NE | 2 | Under 10 loans | 0.0% |
| Washington County, NE | 2 | Under 10 loans | 0.0% |
| Webster County, NE | 2 | Under 10 loans | 0.0% |
| Cochise County, AZ | 1 | Under 10 loans | 0.0% |
| Summit County, CO | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Mills County, IA | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Platte County, MO | 1 | Under 10 loans | 0.0% |
| Burt County, NE | 1 | Under 10 loans | 0.0% |
| Butler County, NE | 1 | Under 10 loans | 0.0% |
| Cass County, NE | 1 | Under 10 loans | 0.0% |
| Custer County, NE | 1 | Under 10 loans | 0.0% |
| Dodge County, NE | 1 | Under 10 loans | 0.0% |
| Garfield County, NE | 1 | Under 10 loans | 0.0% |
| Gosper County, NE | 1 | Under 10 loans | 0.0% |
| Lincoln County, NE | 1 | Under 10 loans | 0.0% |
| Loup County, NE | 1 | Under 10 loans | 0.0% |
| Morrill County, NE | 1 | Under 10 loans | 0.0% |
| Pierce County, NE | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Cleveland County, OK | 1 | Under 10 loans | 0.0% |
| Pennington County, SD | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Cook County, MN | 0 | Under 10 loans | Not published |
| Hennepin County, MN | 0 | Under 10 loans | Not published |
| Kay County, OK | 0 | Under 10 loans | Not published |
| Beaufort County, SC | 0 | Under 10 loans | Not published |
| Charleston County, SC | 0 | Under 10 loans | Not published |
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When Five Points Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.