Five Points Bank mortgage approval rate & lending review
Five Points Bank decided 346 mortgage applications and funded 342 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Five Points Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Five Points Bank at a glance
Approval is 14.2 points above the 84.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 137 / 138 | 100% | $315K | 137 |
| Refinance | 92% | 23 / 25 | 100% | $235K | 23 |
| Investment property purchase | 100% | 141 / 141 | 100% | $185K | 141 |
Five Points Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nebraska | 99% | $185K | 316 | 312 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Five Points Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lancaster County, NE | Investment property purchase | 100% | 77 | 77 |
| Douglas County, NE | Mortgage lenders | 100% | 71 | 71 |
| Douglas County, NE | Investment property purchase | 100% | 40 | 40 |
| Lancaster County, NE | Mortgage lenders | 100% | 34 | 34 |
| Sarpy County, NE | Mortgage lenders | 96% | 24 | 23 |
The county markets where Five Points Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Five Points Bank
What is Five Points Bank's mortgage approval rate?
Five Points Bank approved 98.8% of the 346 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.2 points above the 84.6% national rate for the same mix of loan types.
How often do borrowers take the loan Five Points Bank offers?
Borrowers accepted 100% of the loans Five Points Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Five Points Bank make?
The typical investment property mortgage loan Five Points Bank made was $185K; across all loan types its typical loan ran from $185K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Five Points Bank lend?
Five Points Bank decided applications in 14 of the states Fat Boy Data covers, most of them in Nebraska, Arizona and Missouri.
Can I apply to Five Points Bank directly?
Yes. Five Points Bank is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Five Points Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Five Points Bank treats applications, then get a rate quote from the lender.