Four Points
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Four Points 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Four Points 510 N 127Th St Omaha, NE 68154 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 185 |
| Total Mortgage Loan Application Amount | $29,524,000 |
| Average Mortgage Loan Application Amount | $161,333 |
| Highest Mortgage Loan Application Amount | $540,000 |
| Average Applicant Income | $123,000 |
| Highest Applicant Income | $550,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Four Points. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Four Points's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Four Points's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Four Points serves its applicants.
Each category highlights the total number of mortgage applications processed by Four Points, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Four Points's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Douglas County Nebraska | 17 | $ 2,886,000 | $ 169,000 | $ 143,000 |
| Sarpy County Nebraska | 9 | $ 1,357,000 | $ 150,000 | $ 118,000 |
| Douglas County Colorado | 5 | $ 965,000 | $ 193,000 | $ 135,000 |
| Antelope County Nebraska | 5 | $ 484,000 | $ 96,000 | $ 104,000 |
| Madison County Nebraska | 5 | $ 772,000 | $ 154,000 | $ 87,000 |
| San Joaquin County California | 4 | $ 909,000 | $ 227,000 | $ 143,000 |
| Adams County Nebraska | 4 | $ 362,000 | $ 90,000 | $ 79,000 |
| Lancaster County Nebraska | 4 | $ 531,000 | $ 132,000 | $ 104,000 |
| Fresno County California | 3 | $ 545,000 | $ 181,000 | $ 146,000 |
| Stanislaus County California | 3 | $ 711,000 | $ 237,000 | $ 118,000 |
| Minnehaha County South Dakota | 3 | $ 444,000 | $ 148,000 | $ 113,000 |
| Spokane County Washington | 3 | $ 631,000 | $ 210,000 | $ 112,000 |
| Randolph County Arkansas | 2 | $ 353,000 | $ 176,000 | $ 56,000 |
| Butte County California | 2 | $ 608,000 | $ 304,000 | $ 196,000 |
| Merced County California | 2 | $ 265,000 | $ 132,000 | $ 101,000 |
| Tulare County California | 2 | $ 456,000 | $ 228,000 | $ 178,000 |
| El Paso County Colorado | 2 | $ 172,000 | $ 86,000 | $ 98,000 |
| Tolland County Connecticut | 2 | $ 340,000 | $ 170,000 | $ 127,000 |
| Jefferson County Idaho | 2 | $ 548,000 | $ 274,000 | $ 114,000 |
| Harrison County Iowa | 2 | $ 170,000 | $ 85,000 | $ 93,000 |
| Hennepin County Minnesota | 2 | $ 131,000 | $ 65,000 | $ 98,000 |
| Burt County Nebraska | 2 | $ 142,000 | $ 71,000 | $ 142,000 |
| Custer County Nebraska | 2 | $ 284,000 | $ 142,000 | $ 135,000 |
| Furnas County Nebraska | 2 | $ 99,000 | $ 49,000 | $ 76,000 |
| Jefferson County Nebraska | 2 | $ 158,000 | $ 79,000 | $ 89,000 |
| Saunders County Nebraska | 2 | $ 250,000 | $ 125,000 | $ 143,000 |
| Brown County South Dakota | 2 | $ 530,000 | $ 265,000 | $ 125,000 |
| Skagit County Washington | 2 | $ 418,000 | $ 209,000 | $ 145,000 |
| Laramie County Wyoming | 2 | $ 104,000 | $ 52,000 | $ 65,000 |
| Covington County Alabama | 1 | $ 128,000 | $ 128,000 | $ 66,000 |
| Maricopa County Arizona | 1 | $ 395,000 | $ 395,000 | $ 158,000 |
| Boone County Arkansas | 1 | $ 88,000 | $ 88,000 | $ 58,000 |
| Craighead County Arkansas | 1 | $ 99,000 | $ 99,000 | $ 128,000 |
| Crawford County Arkansas | 1 | $ 304,000 | $ 304,000 | $ 124,000 |
| Cross County Arkansas | 1 | $ 200,000 | $ 200,000 | $ 125,000 |
| Franklin County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Greene County Arkansas | 1 | $ 34,000 | $ 34,000 | $ 110,000 |
| Lonoke County Arkansas | 1 | $ 121,000 | $ 121,000 | $ 69,000 |
| Monroe County Arkansas | 1 | $ 168,000 | $ 168,000 | $ 146,000 |
| Pope County Arkansas | 1 | $ 237,000 | $ 237,000 | $ 105,000 |
| Orange County California | 1 | $ 400,000 | $ 400,000 | $ 300,000 |
| Sacramento County California | 1 | $ 308,000 | $ 308,000 | $ 338,000 |
| Ventura County California | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Lee County Florida | 1 | $ 80,000 | $ 80,000 | $ 115,000 |
| Bonneville County Idaho | 1 | $ 155,000 | $ 155,000 | $ 117,000 |
| Champaign County Illinois | 1 | $ 188,000 | $ 188,000 | $ 98,000 |
| Adams County Iowa | 1 | $ 129,000 | $ 129,000 | $ 93,000 |
| Crawford County Iowa | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Dallas County Iowa | 1 | $ 275,000 | $ 275,000 | $ 136,000 |
| Greene County Iowa | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
| Kossuth County Iowa | 1 | $ 144,000 | $ 144,000 | $ 143,000 |
| Linn County Iowa | 1 | $ 370,000 | $ 370,000 | $ 141,000 |
| Mills County Iowa | 1 | $ 15,000 | $ 15,000 | $ 168,000 |
| Palo Alto County Iowa | 1 | $ 105,000 | $ 105,000 | $ 93,000 |
| Wright County Iowa | 1 | $ 31,000 | $ 31,000 | $ 140,000 |
| Johnson County Kansas | 1 | $ 275,000 | $ 275,000 | $ 342,000 |
| Riley County Kansas | 1 | $ 276,000 | $ 276,000 | $ 85,000 |
| Hampden County Massachusetts | 1 | $ 360,000 | $ 360,000 | $ 292,000 |
| Suffolk County Massachusetts | 1 | $ 189,000 | $ 189,000 | $ 125,000 |
| Kent County Michigan | 1 | $ 161,000 | $ 161,000 | $ 73,000 |
| Monroe County Michigan | 1 | $ 108,000 | $ 108,000 | $ 70,000 |
| Martin County Minnesota | 1 | $ 266,000 | $ 266,000 | $ 118,000 |
| DeKalb County Missouri | 1 | $ 40,000 | $ 40,000 | $ 57,000 |
| Grundy County Missouri | 1 | $ 144,000 | $ 144,000 | $ 129,000 |
| Howard County Missouri | 1 | $ 30,000 | $ 30,000 | $ 82,000 |
| Jefferson County Missouri | 1 | $ 30,000 | $ 30,000 | $ 36,000 |
| Scott County Missouri | 1 | $ 202,000 | $ 202,000 | $ 92,000 |
| Taney County Missouri | 1 | $ 198,000 | $ 198,000 | $ 175,000 |
| Cascade County Montana | 1 | $ 248,000 | $ 248,000 | $ 119,000 |
| Brown County Nebraska | 1 | $ 73,000 | $ 73,000 | $ 50,000 |
| Buffalo County Nebraska | 1 | $ 76,000 | $ 76,000 | $ 115,000 |
| Butler County Nebraska | 1 | $ 121,000 | $ 121,000 | $ 83,000 |
| Chase County Nebraska | 1 | $ 81,000 | $ 81,000 | $ 77,000 |
| Cheyenne County Nebraska | 1 | $ 68,000 | $ 68,000 | $ 91,000 |
| Dawson County Nebraska | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Holt County Nebraska | 1 | $ 100,000 | $ 100,000 | $ 134,000 |
| Keith County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Knox County Nebraska | 1 | $ 304,000 | $ 304,000 | $ 83,000 |
| Morrill County Nebraska | 1 | $ 72,000 | $ 72,000 | $ 74,000 |
| Nance County Nebraska | 1 | $ 40,000 | $ 40,000 | $ 82,000 |
| Pierce County Nebraska | 1 | $ 108,000 | $ 108,000 | $ 124,000 |
| Platte County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 148,000 |
| Red Willow County Nebraska | 1 | $ 56,000 | $ 56,000 | $ 63,000 |
| Saline County Nebraska | 1 | $ 67,000 | $ 67,000 | $ 121,000 |
| Washington County Nebraska | 1 | $ 60,000 | $ 60,000 | $ 207,000 |
| York County Nebraska | 1 | $ 108,000 | $ 108,000 | $ 125,000 |
| Cumberland County New Jersey | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| Essex County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 385,000 |
| Bernalillo County New Mexico | 1 | $ 212,000 | $ 212,000 | $ 105,000 |
| Forsyth County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 494,000 |
| Guilford County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 81,000 |
| Canadian County Oklahoma | 1 | $ 83,000 | $ 83,000 | $ 43,000 |
| Clackamas County Oregon | 1 | $ 273,000 | $ 273,000 | $ 115,000 |
| Malheur County Oregon | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| Marion County Oregon | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Spartanburg County South Carolina | 1 | $ 162,000 | $ 162,000 | $ 60,000 |
| Campbell County South Dakota | 1 | $ 41,000 | $ 41,000 | $ 70,000 |
| Codington County South Dakota | 1 | $ 201,000 | $ 201,000 | $ 56,000 |
| McCook County South Dakota | 1 | $ 120,000 | $ 120,000 | $ 107,000 |
| Pennington County South Dakota | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
| Walworth County South Dakota | 1 | $ 110,000 | $ 110,000 | $ 45,000 |
| Lawrence County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 37,000 |
| Shelby County Tennessee | 1 | $ 148,000 | $ 148,000 | $ 78,000 |
| Fairfax County Virginia | 1 | $ 464,000 | $ 464,000 | $ 391,000 |
| King County Washington | 1 | $ 500,000 | $ 500,000 | $ 147,000 |
| Platte County Wyoming | 1 | $ 45,000 | $ 45,000 | $ 182,000 |
Mortgage Loan Application Detail Totals for Four Points in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 106 | $16,328,000 | $154,000 | $464,000 | $126,000 | $550,000 |
| Home Purchase | 47 | $8,129,000 | $172,000 | $540,000 | $123,000 | $500,000 |
| Home Improvement | 32 | $5,067,000 | $158,000 | $500,000 | $120,000 | $211,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 138 | $22,033,000 | $159,000 | $540,000 | $125,000 | $550,000 |
| Not Provided | 41 | $5,991,000 | $146,000 | $500,000 | $116,000 | $391,000 |
| Asian | 2 | $590,000 | $295,000 | $417,000 | $217,000 | $385,000 |
| Hispanic | 2 | $490,000 | $245,000 | $346,000 | $126,000 | $154,000 |
| Black or African American | 1 | $320,000 | $320,000 | $320,000 | $170,000 | $170,000 |
| American Indian or Alaskan Native | 1 | $100,000 | $100,000 | $100,000 | $154,000 | $154,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 185 | $29,524,000 | $159,000 | $540,000 | $124,000 | $550,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 134 | $22,123,000 | $165,000 | $500,000 | $128,000 | $550,000 |
| Application Denied By Financial Institution | 28 | $3,920,000 | $140,000 | $540,000 | $100,000 | $500,000 |
| Application Approved But Not Accepted | 18 | $2,599,000 | $144,000 | $370,000 | $125,000 | $201,000 |
| File Closed For Incompleteness | 5 | $882,000 | $176,000 | $400,000 | $153,000 | $300,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $1,799,000 | $138,000 | $540,000 | $111,000 | $500,000 |
| Credit History | 4 | $335,000 | $83,000 | $150,000 | $76,000 | $132,000 |
| Other | 2 | $475,000 | $237,000 | $255,000 | $141,000 | $210,000 |
| Collateral | 1 | $228,000 | $228,000 | $228,000 | $65,000 | $65,000 |
| Credit Application Incomplete | 1 | $395,000 | $395,000 | $395,000 | $158,000 | $158,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Four Points's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Four Points's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.