FOUR POINTS
FOUR POINTS received 176 applications in 2025 and made 154 mortgages, in 48 counties across 15 states. The median rate its borrowers got was Not published on a median loan of $185,000. Of 175 decisions, 17 were denials — 9.7%.
| Legal Entity Identifier | 549300XZEU2LB7FLWW04 |
|---|---|
| Applications received | 176 |
| Mortgages made | 154 |
| Denied | 17 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 112 | Not published | $175,000 | 5.0% |
| Refinancing | 15 | Not published | $235,000 | 5.6% |
| Cash-out refinancing | 17 | Not published | $205,000 | 22.7% |
| Other purposes | 10 | Not published | $55,000 | 33.3% |
Where FOUR POINTS lends most
The 48 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Douglas County, NE | 85 | Not published | 3.3% |
| Sarpy County, NE | 15 | Not published | 6.3% |
| Pottawattamie County, IA | 10 | Not published | 9.1% |
| Saunders County, NE | 3 | Under 10 loans | 0.0% |
| St. Francis County, AR | 2 | Under 10 loans | 0.0% |
| Wright County, IA | 2 | Under 10 loans | 33.3% |
| Cass County, NE | 2 | Under 10 loans | 0.0% |
| Platte County, NE | 2 | Under 10 loans | 0.0% |
| Covington County, AL | 1 | Under 10 loans | 0.0% |
| Chugach Census Area, AK | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Craighead County, AR | 1 | Under 10 loans | 0.0% |
| Garland County, AR | 1 | Under 10 loans | 0.0% |
| Adams County, CO | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Iroquois County, IL | 1 | Under 10 loans | 0.0% |
| Sangamon County, IL | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 1 | Under 10 loans | 0.0% |
| Clay County, KS | 1 | Under 10 loans | 0.0% |
| Worcester County, MD | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 1 | Under 10 loans | 0.0% |
| Cass County, MO | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Stone County, MO | 1 | Under 10 loans | 0.0% |
| Adams County, NE | 1 | Under 10 loans | 0.0% |
| Antelope County, NE | 1 | Under 10 loans | 0.0% |
| Cedar County, NE | 1 | Under 10 loans | 0.0% |
| Dawson County, NE | 1 | Under 10 loans | 0.0% |
| Furnas County, NE | 1 | Under 10 loans | 75.0% |
| Gage County, NE | 1 | Under 10 loans | 0.0% |
| Lancaster County, NE | 1 | Under 10 loans | 0.0% |
| Lincoln County, NE | 1 | Under 10 loans | 0.0% |
| Madison County, NE | 1 | Under 10 loans | 0.0% |
| Otoe County, NE | 1 | Under 10 loans | 0.0% |
| Red Willow County, NE | 1 | Under 10 loans | 0.0% |
| Saline County, NE | 1 | Under 10 loans | 0.0% |
| Washington County, NE | 1 | Under 10 loans | 0.0% |
| York County, SC | 1 | Under 10 loans | 0.0% |
| Clay County, SD | 1 | Under 10 loans | 0.0% |
| Lincoln County, SD | 1 | Under 10 loans | 0.0% |
| Saline County, AR | 0 | Under 10 loans | 100.0% |
| Volusia County, FL | 0 | Under 10 loans | 100.0% |
| Logan County, IL | 0 | Under 10 loans | 100.0% |
| St. Clair County, IL | 0 | Under 10 loans | 100.0% |
| Montgomery County, IA | 0 | Under 10 loans | 100.0% |
| Clay County, NE | 0 | Under 10 loans | 100.0% |
| Gregory County, SD | 0 | Under 10 loans | 100.0% |
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When FOUR POINTS’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.