Applications / Mortgage Analytics / Lenders / Nebraska / Four Points Federal Credit Union
Omaha, NE · Credit union · NCUA · $188 million assets · 154 loans in 2025
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154
loans originated, 2025
176
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Four Points Federal Credit Union, an Omaha credit union, makes bigger home-purchase loans than most of its peers, and its loans rose 36% in 2025.
Home purchases made up 72.7% of its loans and refinances 20.8%, all conventional. Its typical loan, $185,000, was larger than at nearly nine in ten similar lenders (credit unions making between half and twice as many loans), where it was $105,000. Its focus on purchases rather than smaller home-improvement and other loans may account for that.
Its loans rose 36%, against 8% at similar lenders and 10% for the whole market, faster than at more than three in four peers. It made 80 loans in 2023 and has grown each year since. In 2025 it first lent in Springfield, IL, Charlotte-Concord-Gastonia and non-metro Maryland, and its loans now reach 15 states.
Low- and moderate-income (LMI) neighborhoods took 30.5% of its loans, against 17.3% at similar lenders, more than at nine in ten of them, and up from 3.7% five years before. LMI borrowers took 20.0%, lower than at about four in five peers; its larger purchase loans may go to borrowers with higher incomes.
In Omaha, where it has lent since at least 1990, it ranks 65 of 417 lenders with an unchanged 0.3% share. JPMorgan Chase Bank leads.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Four Points Federal Credit Union took 176 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.7% · Refinance 20.8% · Other 6.5%
Conventional 100.0% · of 154 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 120 | 77.9% |
| Iowa | 13 | 8.4% |
| Arkansas | 4 | 2.6% |
| Missouri | 3 | 1.9% |
| Florida | 2 | 1.3% |
| Illinois | 2 | 1.3% |
| South Dakota | 2 | 1.3% |
| Alaska | 1 | 0.6% |
| Alabama | 1 | 0.6% |
| Arizona | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 116 |
| Kansas City | 2 |
| Cape Coral-Fort Myers | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Denver-Aurora-Centennial | 1 |
| Hot Springs | 1 |
| Jonesboro | 1 |
| Lincoln | 1 |
| Panama City-Panama City Beach | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XZEU2LB7FLWW04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1018918 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565420 | 1990–2004 |
| Respondent ID (the HMDA filer code before 2018) | 524753 | 2005–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Four Points Federal Credit Union's data.
Four Points Federal Credit Union's data
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Four Points Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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