Four Points in Nebraska vs the state
6.7%Denial rate-5.81 pts vs state
6.8%Decision denial rate-8.37 pts vs state
89.6%Origination rate+22.27 pts vs state
—Median rate
—Rate spread (pts)
$139kMedian applicant income
120Loans originated
9Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 42 | 23.3% | 6.50% | #112 |
| 2024 | 91 | 70 | 18.7% | — | #96 |
| 2025 | 134 | 120 | 6.7% | — | #86 |
What Four Points lends in Nebraska
By loan purpose
By loan type
Where in Nebraska
Counties with the most Four Points applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 93 | 85 | 3 | 3.2% |
| Sarpy County | 16 | 15 | 1 | 6.3% |
| Furnas County | 4 | 1 | 3 | 75.0% |
| Saunders County | 3 | 3 | 0 | 0.0% |
| Cass County | 2 | 2 | 0 | 0.0% |
| Platte County | 2 | 2 | 0 | 0.0% |
| Clay County | 2 | 0 | 2 | 100.0% |
| Cedar County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Otoe County | 1 | 1 | 0 | 0.0% |
Other large lenders in Nebraska
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,384 | 17.6% | 6.75% |
| Pinnacle Bank | B | 3,371 | 4.3% | 6.95% |
| First National Bank of Omaha | C | 2,902 | 19.6% | 7.00% |
| Charter West Bank | C | 2,258 | 6.6% | 6.50% |
| U.S. Bank | D | 2,163 | 32.9% | 6.99% |
| Veridian Credit Union | B | 2,051 | 9.8% | 6.49% |
| West Gate Bank | A | 2,040 | 5.0% | 6.50% |
| Centris | B | 2,002 | 16.3% | 6.25% |
| Union Bank and Trust | B | 1,835 | 10.0% | 6.50% |
| Mortgage Research Center | C | 1,651 | 12.5% | 6.25% |
Frequently asked questions
Nebraska: 134 applications in 2025, of which 120 were originated and 9 denied.
6.7% of all applications, or 6.8% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Four Points's own HMDA filing for properties located in Nebraska, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology