Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2006
In 2006, Potlatch No 1 Financial Credit U of Lewiston, ID reported 205 mortgage applications totaling $24.2 million, down 8% from 2005. The average application was for $118,078, and applicants reported an average income of $50,087. 62% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Lewiston, ID-WA (132) and Coeur D'Alene, ID (4).
| 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 | 205 |
| Total Mortgage Loan Application Amount | $24,206,000 |
| Average Mortgage Loan Application Amount | $118,078 |
| Highest Mortgage Loan Application Amount | $329,000 |
| Average Applicant Income | $50,087 |
| Highest Applicant Income | $143,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 78 | $ 8,711,000 | $ 111,679 | $ 48,000 |
| Asotin, Washington | 56 | $ 6,252,000 | $ 111,642 | $ 49,000 |
| Clearwater, Idaho | 7 | $ 874,000 | $ 124,857 | $ 51,000 |
| Latah, Idaho | 6 | $ 609,000 | $ 101,500 | $ 54,000 |
| Benewah, Idaho | 5 | $ 675,000 | $ 135,000 | $ 56,000 |
| Kootenai, Idaho | 5 | $ 831,000 | $ 166,200 | $ 64,000 |
| Idaho, Idaho | 3 | $ 227,000 | $ 75,666 | $ 33,000 |
| Bonner, Idaho | 2 | $ 324,000 | $ 162,000 | $ 49,000 |
| Whitman, Washington | 2 | $ 132,000 | $ 66,000 | $ 79,000 |
| Garfield, Washington | 1 | $ 152,000 | $ 152,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2006
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 140 | $17,508,000 | $125,000 | $329,000 | $52,000 | $118,000 |
| Refinancing | 57 | $5,753,000 | $100,000 | $165,000 | $44,000 | $143,000 |
| Home Improvement | 8 | $945,000 | $118,000 | $198,000 | $60,000 | $94,000 |
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 | 183 | $21,745,000 | $118,000 | $329,000 | $49,000 | $118,000 |
| Not Provided | 15 | $1,771,000 | $118,000 | $207,000 | $61,000 | $143,000 |
| American Indian or Alaskan Native | 2 | $128,000 | $64,000 | $88,000 | $25,000 | $31,000 |
| Hispanic | 2 | $157,000 | $78,000 | $107,000 | $36,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $175,000 | $87,000 | $100,000 | $23,000 | $28,000 |
| Asian | 1 | $230,000 | $230,000 | $230,000 | $114,000 | $114,000 |
| Black or African American | 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) | 205 | $24,206,000 | $118,000 | $329,000 | $50,000 | $143,000 |
| 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 | 128 | $14,374,000 | $112,000 | $245,000 | $50,000 | $143,000 |
| Preapproval Approved but not Accepted | 40 | $5,419,000 | $135,000 | $240,000 | $50,000 | $112,000 |
| Application Withdrawn By Applicant | 21 | $2,194,000 | $104,000 | $212,000 | $48,000 | $107,000 |
| Application Denied By Financial Institution | 15 | $2,021,000 | $134,000 | $329,000 | $46,000 | $88,000 |
| Application Approved But Not Accepted | 1 | $198,000 | $198,000 | $198,000 | $87,000 | $87,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $1,196,000 | $119,000 | $207,000 | $46,000 | $88,000 |
| Debt-To-Income Ratio | 2 | $221,000 | $110,000 | $140,000 | $40,000 | $51,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2006 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.
For a list of all lenders in Idaho, download the full spreadsheet
with aggregated HMDA statistics today.
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