Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2025
In 2025, Potlatch No 1 Financial Credit U of Lewiston, ID reported 1,255 mortgage applications totaling $305.8 million, up 4% from 2024. The average application was for $243,669, and applicants reported an average income of $122,784. 63% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lewiston, ID-WA (355), Coeur D'Alene, ID (179) and Boise City, ID (53) (applications in parentheses).
| Mortgage Company & Address | Potlatch No 1 Financial Credit U 1025 Warner Avenue Lewiston, ID 83501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,255 |
| Total Mortgage Loan Application Amount | $305,805,000 |
| Average Mortgage Loan Application Amount | $243,669 |
| Highest Mortgage Loan Application Amount | $19,055,000 |
| Average Applicant Income | $122,784 |
| Highest Applicant Income | $2,188,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nez Perce, Idaho | 237 | $ 43,525,000 | $ 183,649 | $ 111,000 |
| Kootenai, Idaho | 179 | $ 33,805,000 | $ 188,854 | $ 119,000 |
| Asotin, Washington | 118 | $ 22,760,000 | $ 192,881 | $ 115,000 |
| Bonner, Idaho | 99 | $ 22,365,000 | $ 225,909 | $ 126,000 |
| Latah, Idaho | 99 | $ 18,905,000 | $ 190,959 | $ 127,000 |
| Whitman, Washington | 56 | $ 11,300,000 | $ 201,785 | $ 124,000 |
| Boundary, Idaho | 50 | $ 9,730,000 | $ 194,600 | $ 109,000 |
| Clearwater, Idaho | 48 | $ 10,200,000 | $ 212,500 | $ 107,000 |
| Spokane, Washington | 46 | $ 14,070,000 | $ 305,869 | $ 133,000 |
| Shoshone, Idaho | 42 | $ 6,910,000 | $ 164,523 | $ 87,000 |
| Benewah, Idaho | 40 | $ 5,960,000 | $ 149,000 | $ 100,000 |
| Idaho, Idaho | 36 | $ 11,380,000 | $ 316,111 | $ 153,000 |
| Okanogan, Washington | 31 | $ 6,145,000 | $ 198,225 | $ 162,000 |
| Walla Walla, Washington | 27 | $ 5,195,000 | $ 192,407 | $ 115,000 |
| Canyon, Idaho | 23 | $ 4,785,000 | $ 208,043 | $ 193,000 |
| Ada, Idaho | 22 | $ 6,980,000 | $ 317,272 | $ 245,000 |
| Kittitas, Washington | 16 | $ 2,180,000 | $ 136,250 | $ 135,000 |
| Lewis, Idaho | 9 | $ 1,295,000 | $ 143,888 | $ 60,000 |
| Garfield, Washington | 8 | $ 1,050,000 | $ 131,250 | $ 106,000 |
| Pend Oreille, Washington | 8 | $ 2,590,000 | $ 323,750 | $ 174,000 |
| King, Washington | 5 | $ 9,515,000 | $ 1,903,000 | $ 139,000 |
| Gem, Idaho | 4 | $ 830,000 | $ 207,500 | $ 119,000 |
| Benton, Washington | 4 | $ 29,020,000 | $ 7,255,000 | $ 161,000 |
| Columbia, Washington | 4 | $ 470,000 | $ 117,500 | $ 137,000 |
| Boise, Idaho | 3 | $ 445,000 | $ 148,333 | $ 62,000 |
| Valley, Idaho | 3 | $ 4,435,000 | $ 1,478,333 | $ 330,000 |
| Union, Oregon | 3 | $ 225,000 | $ 75,000 | $ 87,000 |
| Payette, Idaho | 2 | $ 300,000 | $ 150,000 | $ 142,000 |
| Washington, Idaho | 2 | $ 280,000 | $ 140,000 | $ 65,000 |
| Columbia, Oregon | 2 | $ 410,000 | $ 205,000 | $ 109,000 |
| Malheur, Oregon | 2 | $ 390,000 | $ 195,000 | $ 91,000 |
| Umatilla, Oregon | 2 | $ 470,000 | $ 235,000 | $ 39,000 |
| Wallowa, Oregon | 2 | $ 170,000 | $ 85,000 | $ 105,000 |
| Douglas, Washington | 2 | $ 640,000 | $ 320,000 | $ 171,000 |
| Franklin, Washington | 2 | $ 290,000 | $ 145,000 | $ 99,000 |
| Cochise, Arizona | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Adams, Idaho | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Cassia, Idaho | 1 | $ 85,000 | $ 85,000 | $ 98,000 |
| Minidoka, Idaho | 1 | $ 185,000 | $ 185,000 | $ 47,000 |
| Owyhee, Idaho | 1 | $ 165,000 | $ 165,000 | $ 77,000 |
| Teton, Idaho | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Baker, Oregon | 1 | $ 45,000 | $ 45,000 | $ 165,000 |
| Coos, Oregon | 1 | $ 75,000 | $ 75,000 | $ 223,000 |
| Linn, Oregon | 1 | $ 515,000 | $ 515,000 | $ 209,000 |
| Morrow, Oregon | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Wasco, Oregon | 1 | $ 305,000 | $ 305,000 | $ 125,000 |
| Clark, Washington | 1 | $ 315,000 | $ 315,000 | $ 169,000 |
| Grant, Washington | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Grays Harbor, Washington | 1 | $ 1,295,000 | $ 1,295,000 | $ 0 |
| Island, Washington | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Pierce, Washington | 1 | $ 9,505,000 | $ 9,505,000 | $ 0 |
| Snohomish, Washington | 1 | $ 55,000 | $ 55,000 | $ 198,000 |
| Stevens, Washington | 1 | $ 875,000 | $ 875,000 | $ 175,000 |
| Thurston, Washington | 1 | $ 2,855,000 | $ 2,855,000 | $ 0 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2025
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 468 | $59,770,000 | $127,000 | $765,000 | $107,000 | $403,000 |
| Home Purchase | 307 | $153,875,000 | $501,000 | $19,055,000 | $164,000 | $2,188,000 |
| Refinancing | 233 | $53,065,000 | $227,000 | $9,505,000 | $115,000 | $432,000 |
| Home Improvement | 173 | $18,855,000 | $108,000 | $565,000 | $113,000 | $488,000 |
| Cash-out Refinancing | 74 | $20,240,000 | $273,000 | $935,000 | $99,000 | $289,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 965 | $189,295,000 | $196,000 | $4,085,000 | $122,000 | $2,188,000 |
| Not Provided | 202 | $42,090,000 | $208,000 | $1,255,000 | $125,000 | $370,000 |
| Hispanic | 39 | $6,565,000 | $168,000 | $965,000 | $112,000 | $294,000 |
| Not applicable | 26 | $62,940,000 | $2,420,000 | $19,055,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $1,545,000 | $140,000 | $555,000 | $112,000 | $336,000 |
| Asian | 8 | $2,240,000 | $280,000 | $505,000 | $116,000 | $235,000 |
| Black or African American | 4 | $1,130,000 | $282,000 | $865,000 | $137,000 | $315,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,255 | $305,805,000 | $243,000 | $19,055,000 | $122,000 | $2,188,000 |
| 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 | 792 | $205,960,000 | $260,000 | $19,055,000 | $127,000 | $2,188,000 |
| Application Withdrawn By Applicant | 282 | $66,490,000 | $235,000 | $2,085,000 | $129,000 | $1,094,000 |
| Application Denied By Financial Institution | 129 | $24,435,000 | $189,000 | $975,000 | $85,000 | $319,000 |
| Application Approved But Not Accepted | 44 | $8,060,000 | $183,000 | $825,000 | $105,000 | $394,000 |
| File Closed For Incompleteness | 8 | $860,000 | $107,000 | $275,000 | $95,000 | $144,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,126 | $281,370,000 | $249,000 | $19,055,000 | $127,000 | $2,188,000 |
| Debt-To-Income Ratio | 72 | $14,900,000 | $206,000 | $685,000 | $73,000 | $319,000 |
| Collateral | 23 | $3,735,000 | $162,000 | $975,000 | $101,000 | $255,000 |
| Credit History | 23 | $3,235,000 | $140,000 | $365,000 | $95,000 | $214,000 |
| Other | 9 | $2,265,000 | $251,000 | $425,000 | $122,000 | $251,000 |
| Employment History | 2 | $300,000 | $150,000 | $195,000 | $104,000 | $171,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Potlatch No 1 Financial Credit U's 2025 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 Potlatch No 1 Financial Credit U'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.
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with aggregated HMDA statistics today.
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