Four Points Mortgage Rates, Fees & Info
Omaha, NELEI: 549300XZEU2LB7FLWW04
Tax ID: 47-0153475
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Four Points is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Four Points has a high proportion of conventional loans. Their top markets by origination volume include: Omaha, Sioux Falls, Denver, Forrest City, and Lincoln among others. We have data for 43 markets. (Some data included below & more in-depth data is available with an active subscription.)Four Points has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
115Origination Dollar Volume (All Markets)
$13,815,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 31 | $4,315,000 | $139,194 | $0 | 0.00% |
| Outside of Metro Areas | 29 | $2,515,000 | $86,724 | $0 | 0.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| Forrest City, AR (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 0.00% |
| LINCOLN, NE (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $0 | 0.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Pierre, SD (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 0.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 0.00% |
| Sonora, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| Marshall, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Watertown, SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 0.00% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Española, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 0.00% |
| Cortland, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Danville, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Columbus, NE (FHA|USDA|VA) | 3 | $75,000 | $25,000 | $0 | 0.00% |
| MERCED, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| Atchison, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| CASPER, WY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
| Evanston, WY (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 0.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 0.00% |
| Russellville, AR (FHA|USDA|VA) | 1 | $5,000 | $5,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $5,000 | $5,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against FOUR POINTS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 115 | $13,815,000 | $120,130 | $0 | 0.00% |
For 2018, Four Points's most frequently originated type of loan was Conventional, with 115 originations.
Loan Reason
For 2018, Four Points's most frequently cited loan purpose was Cash Out Refi, with 54 originations. The 2nd most popular reason was Home Purchase, with 44 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 115 | $13,815,000 | $120,130 | $0 | 0.00% |
For 2018, Four Points's most frequently cited loan duration was Other, with 115 originations.
Loan Sizing
2018 saw Four Points place emphasis on $100,000 or less loans with 58 originations, totaling $2,490,000 in origination value.
Applicant Income
Four Points lent most frequently to those with incomes in the $100k-150k range, with 34 originations. The second most popular income band? $50k-75k, with 21 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 115 | $13,815,000 | $120,130 | $0 | 0.00% |
Four Points lent most frequently to those with DTI ratios of Exempt%, with 115 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.06%
Four Points has an average approval rate.
Pick Rate
Approvals leading to origination80.00%
Four Points has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 115 | $13,815,000 | $120,130 |