Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2007
In 2007, Potlatch No 1 Financial Credit U of Lewiston, ID reported 343 mortgage applications totaling $45.1 million, up 67% from 2006. The average application was for $131,542, and applicants reported an average income of $60,991. 84% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lewiston, ID-WA (260), Coeur D'Alene, ID (9) and Spokane, WA (3) (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 | 343 |
| Total Mortgage Loan Application Amount | $45,119,000 |
| Average Mortgage Loan Application Amount | $131,542 |
| Highest Mortgage Loan Application Amount | $391,000 |
| Average Applicant Income | $60,991 |
| Highest Applicant Income | $543,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 168 | $ 22,633,000 | $ 134,720 | $ 61,000 |
| Asotin, Washington | 92 | $ 11,720,000 | $ 127,391 | $ 62,000 |
| Clearwater, Idaho | 21 | $ 2,533,000 | $ 120,619 | $ 57,000 |
| Latah, Idaho | 16 | $ 2,184,000 | $ 136,500 | $ 63,000 |
| Idaho, Idaho | 10 | $ 1,133,000 | $ 113,300 | $ 51,000 |
| Kootenai, Idaho | 9 | $ 1,205,000 | $ 133,888 | $ 54,000 |
| Benewah, Idaho | 5 | $ 755,000 | $ 151,000 | $ 67,000 |
| Bonner, Idaho | 4 | $ 638,000 | $ 159,500 | $ 58,000 |
| Whitman, Washington | 4 | $ 739,000 | $ 184,750 | $ 86,000 |
| Lewis, Idaho | 3 | $ 417,000 | $ 139,000 | $ 45,000 |
| Spokane, Washington | 3 | $ 585,000 | $ 195,000 | $ 74,000 |
| Shoshone, Idaho | 2 | $ 236,000 | $ 118,000 | $ 51,000 |
| Bannock, Idaho | 1 | $ 87,000 | $ 87,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2007
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 | 178 | $27,848,000 | $156,000 | $391,000 | $61,000 | $543,000 |
| Refinancing | 124 | $14,712,000 | $118,000 | $300,000 | $58,000 | $129,000 |
| Home Improvement | 41 | $2,559,000 | $62,000 | $208,000 | $70,000 | $276,000 |
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 | 303 | $39,936,000 | $131,000 | $391,000 | $60,000 | $543,000 |
| Not Provided | 26 | $3,413,000 | $131,000 | $363,000 | $71,000 | $276,000 |
| Hispanic | 7 | $826,000 | $118,000 | $175,000 | $54,000 | $118,000 |
| American Indian or Alaskan Native | 6 | $834,000 | $139,000 | $296,000 | $57,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $110,000 | $110,000 | $110,000 | $72,000 | $72,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 343 | $45,119,000 | $131,000 | $391,000 | $61,000 | $543,000 |
| 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 | 288 | $37,569,000 | $130,000 | $391,000 | $63,000 | $543,000 |
| Application Denied By Financial Institution | 22 | $2,790,000 | $126,000 | $270,000 | $50,000 | $92,000 |
| Application Withdrawn By Applicant | 18 | $2,243,000 | $124,000 | $373,000 | $54,000 | $118,000 |
| Application Approved But Not Accepted | 15 | $2,517,000 | $167,000 | $380,000 | $54,000 | $85,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 13 | $1,643,000 | $126,000 | $252,000 | $47,000 | $77,000 |
| Debt-To-Income Ratio | 5 | $887,000 | $177,000 | $270,000 | $43,000 | $67,000 |
| Collateral | 2 | $220,000 | $110,000 | $115,000 | $85,000 | $92,000 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Potlatch No 1 Financial Credit U's 2007 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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