Four Points at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
29th9.7% deniedProcesswithdrawn + incomplete share, weight 15%
84th0.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 108 | 80 | 20.4% | 20.4% | 6.25% | $14M |
| 2024 | 146 | 113 | 19.2% | 19.3% | — | $24M |
| 2025 | 176 | 154 | 9.7% | 9.7% | — | $31M |
What Four Points lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 105 investment properties.
Who gets approved at Four Points
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 21 | 13 | 35.0% |
| $150k – $250k | 22 | 21 | 4.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 22 | 17 | 22.7% |
Where Four Points lends
15 states and 48 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Four Points denied 9.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of investment-property lenders.
In 2025, 69% of its applications were for home purchases, 23% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.