Four Points Mortgage Rates, Fees & Info
Omaha, NELEI: 549300XZEU2LB7FLWW04
Tax ID: 47-0153475
Latest/2023 | 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, Refi, and Home Purchase loans. Four Points has a high proportion of conventional loans. Their top markets by origination volume include: Omaha, Lincoln, Modesto, Jonesboro, and Denver among others. We have data for 62 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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.08% | 5/26/24 |
| 30 Year Conventional Refi | 7.62% | 5/26/24 |
| 30 Year Cash-out Refi | 6.15% | 5/26/24 |
| 15 Year Conventional Purchase | 6.05% | 5/26/24 |
| 15 Year Conventional Refi | 5.95% | 5/26/24 |
| 15 Year Cash-out Refi | 5.95% | 5/26/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Four Points Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
206Origination Dollar Volume (All Markets)
$39,160,000Top 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) | 57 | $11,435,000 | $200,614 | $0 | 0.00% |
| Outside of Metro Areas | 42 | $6,460,000 | $153,810 | $0 | 0.00% |
| LINCOLN, NE (FHA|USDA|VA) | 9 | $1,645,000 | $182,778 | $0 | 0.00% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $0 | 0.00% |
| JONESBORO, AR (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $0 | 0.00% |
| Sonora, CA (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $0 | 0.00% |
| Norfolk, NE (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $0 | 0.00% |
| Fremont, NE (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $0 | 0.00% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 0.00% |
| Russellville, AR (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $0 | 0.00% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 0.00% |
| Kearney, NE (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $0 | 0.00% |
| Columbus, NE (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $0 | 0.00% |
| Watertown, SD (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $0 | 0.00% |
| Sikeston, MO (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 0.00% |
| Willmar, MN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| RAPID CITY, SD (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 0.00% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Hastings, NE (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| Marshall, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 0.00% |
| MADERA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Fairfield, IA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| MERCED, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Fallon, NV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| Paragould, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Carroll, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| North Platte, NE (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| ENID, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Harrison, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Yankton, SD (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Farmington, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Tifton, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Atchison, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| Lexington, NE (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Similar Lenders
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 206 | $39,160,000 | $190,097 | $0 | 0.00% |
For 2021, Four Points's most frequently originated type of loan was Conventional, with 206 originations.
Loan Reason
For 2021, Four Points's most frequently cited loan purpose was Cash Out Refi, with 96 originations. The 2nd most popular reason was Refi, with 53 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 206 | $39,160,000 | $190,097 | $0 | 0.00% |
For 2021, Four Points's most frequently cited loan duration was Other, with 206 originations.
Loan Sizing
2021 saw Four Points place emphasis on $100k-200k loans with 84 originations, totaling $12,720,000 in origination value.
Applicant Income
Four Points lent most frequently to those with incomes in the $100k-150k range, with 45 originations. The second most popular income band? $150k-250k, with 40 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 206 | $39,160,000 | $190,097 | $0 | 0.00% |
Four Points lent most frequently to those with DTI ratios of Exempt%, with 206 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.98%
Four Points has a below average approval rate.
Pick Rate
Approvals leading to origination87.38%
Four Points has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 206 | $39,160,000 | $190,097 |