Lender profile · HMDA 2023–2025
Four Points mortgage approval rates & lending data
Four Points decided 259 mortgage applications and funded 226 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Arkansas | 78% | $35K | 9 | 6 |
| Florida | 86% | $155K | 7 | 6 |
| Colorado | 100% | $475K | 4 | 3 |
| Illinois | 75% | $15K | 4 | 3 |
| Massachusetts | 100% | $85K | 4 | 4 |
| California | 67% | $15K | 3 | 2 |
| Missouri | 100% | $255K | 3 | 3 |
| New Mexico | 67% | $35K | 3 | 2 |
| Arizona | 100% | $285K | 2 | 2 |
| North Carolina | 100% | $425K | 2 | 1 |
| Connecticut | 100% | $505K | 1 | 1 |
| Indiana | 100% | $235K | 1 | 1 |
| Iowa | 100% | $215K | 1 | 1 |
| Kentucky | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.