Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2011
In 2011, Potlatch No 1 Financial Credit U of Lewiston, ID reported 899 mortgage applications totaling $118.7 million, up 7% from 2010. The average application was for $132,074, and applicants reported an average income of $67,449. 61% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Lewiston, ID-WA (605), Coeur D'Alene, ID (31) and Spokane, WA (1) (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 | 899 |
| Total Mortgage Loan Application Amount | $118,735,000 |
| Average Mortgage Loan Application Amount | $132,074 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $67,449 |
| Highest Applicant Income | $1,742,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 399 | $ 53,601,000 | $ 134,338 | $ 72,000 |
| Asotin, Washington | 206 | $ 27,718,000 | $ 134,553 | $ 63,000 |
| Latah, Idaho | 63 | $ 8,510,000 | $ 135,079 | $ 61,000 |
| Idaho, Idaho | 53 | $ 7,635,000 | $ 144,056 | $ 61,000 |
| Clearwater, Idaho | 41 | $ 4,935,000 | $ 120,365 | $ 69,000 |
| Kootenai, Idaho | 31 | $ 4,528,000 | $ 146,064 | $ 71,000 |
| Benewah, Idaho | 25 | $ 2,861,000 | $ 114,440 | $ 54,000 |
| Whitman, Washington | 18 | $ 2,524,000 | $ 140,222 | $ 73,000 |
| Bonner, Idaho | 14 | $ 1,975,000 | $ 141,071 | $ 70,000 |
| Lewis, Idaho | 14 | $ 1,594,000 | $ 113,857 | $ 65,000 |
| Boundary, Idaho | 6 | $ 698,000 | $ 116,333 | $ 42,000 |
| Shoshone, Idaho | 6 | $ 398,000 | $ 66,333 | $ 54,000 |
| Garfield, Washington | 4 | $ 329,000 | $ 82,250 | $ 62,000 |
| Valley, Idaho | 3 | $ 339,000 | $ 113,000 | $ 133,000 |
| Spokane, Washington | 1 | $ 417,000 | $ 417,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2011
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 | 602 | $77,642,000 | $128,000 | $417,000 | $68,000 | $1,742,000 |
| Home Purchase | 264 | $39,838,000 | $150,000 | $417,000 | $66,000 | $448,000 |
| Home Improvement | 33 | $1,255,000 | $38,000 | $112,000 | $69,000 | $174,000 |
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 | 820 | $107,685,000 | $131,000 | $417,000 | $66,000 | $1,742,000 |
| Not Provided | 46 | $6,456,000 | $140,000 | $403,000 | $94,000 | $448,000 |
| Hispanic | 16 | $2,251,000 | $140,000 | $327,000 | $53,000 | $112,000 |
| American Indian or Alaskan Native | 11 | $1,596,000 | $145,000 | $385,000 | $57,000 | $99,000 |
| Asian | 5 | $647,000 | $129,000 | $175,000 | $62,000 | $149,000 |
| Black or African American | 1 | $100,000 | $100,000 | $100,000 | $48,000 | $48,000 |
| Native Hawaiian 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) | 878 | $115,386,000 | $131,000 | $417,000 | $67,000 | $1,742,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,361,000 | $168,000 | $370,000 | $64,000 | $125,000 |
| FHA-insured (Federal Housing Administration) | 6 | $860,000 | $143,000 | $172,000 | $48,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $128,000 | $128,000 | $128,000 | $52,000 | $52,000 |
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 | 551 | $70,213,000 | $127,000 | $404,000 | $68,000 | $371,000 |
| Application Withdrawn By Applicant | 209 | $28,876,000 | $138,000 | $417,000 | $64,000 | $448,000 |
| Application Denied By Financial Institution | 136 | $19,313,000 | $142,000 | $417,000 | $69,000 | $1,742,000 |
| Application Approved But Not Accepted | 3 | $333,000 | $111,000 | $130,000 | $42,000 | $52,000 |
| 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 | 71 | $9,488,000 | $133,000 | $417,000 | $78,000 | $1,742,000 |
| Debt-To-Income Ratio | 31 | $4,442,000 | $143,000 | $402,000 | $53,000 | $145,000 |
| Collateral | 22 | $3,835,000 | $174,000 | $408,000 | $75,000 | $170,000 |
| Unverifiable Information | 3 | $229,000 | $76,000 | $123,000 | $13,000 | $27,000 |
| Other | 2 | $242,000 | $121,000 | $125,000 | $35,000 | $38,000 |
| Employment History | 2 | $232,000 | $116,000 | $128,000 | $88,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $500,000 | $250,000 | $370,000 | $83,000 | $95,000 |
| Mortgage Insurance Denied | 1 | $147,000 | $147,000 | $147,000 | $90,000 | $90,000 |
| Credit Application Incomplete | 1 | $178,000 | $178,000 | $178,000 | $55,000 | $55,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Potlatch No 1 Financial Credit U's 2011 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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