Four Points mortgage approval rate & lending review
Four Points decided 259 mortgage applications and funded 226 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Four Points reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Four Points at a glance
Approval is 9.7 points above the 81.4% 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 | 88% | 46 / 52 | 91% | $335K | 42 |
| Cash-out refinance | 79% | 46 / 58 | 98% | $75K | 45 |
| Investment property purchase | 100% | 111 / 111 | 98% | $165K | 109 |
Four Points lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nebraska | 93% | $165K | 207 | 185 |
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 Four Points lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, NE | Investment property purchase | 100% | 96 | 94 |
The county markets where Four Points made the most loans. Each link opens that market with every lender ranked.
Questions about Four Points
What is Four Points's mortgage approval rate?
Four Points approved 91.1% of the 259 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.7 points above the 81.4% national rate for the same mix of loan types.
How often do borrowers take the loan Four Points offers?
Borrowers accepted 96% of the loans Four Points 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 Four Points make?
The typical investment property mortgage loan Four Points made was $165K; across all loan types its typical loan ran from $75K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Four Points lend?
Four Points decided applications in 22 of the states Fat Boy Data covers, most of them in Nebraska, Arkansas and Florida.
Can I apply to Four Points directly?
Yes. Four Points is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Four Points'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 Four Points treats applications, then get a rate quote from the lender.