Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2012
In 2012, Potlatch No 1 Financial Credit U of Lewiston, ID reported 1,424 mortgage applications totaling $190.2 million, up 58% from 2011. The average application was for $133,543, and applicants reported an average income of $69,525. 60% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Lewiston, ID-WA (923), Coeur D'Alene, ID (63) and Spokane, WA (5) (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 | 1,424 |
| Total Mortgage Loan Application Amount | $190,166,000 |
| Average Mortgage Loan Application Amount | $133,543 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $69,525 |
| Highest Applicant Income | $516,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 616 | $ 81,172,000 | $ 131,772 | $ 72,000 |
| Asotin, Washington | 307 | $ 41,590,000 | $ 135,472 | $ 68,000 |
| Latah, Idaho | 118 | $ 17,504,000 | $ 148,338 | $ 66,000 |
| Idaho, Idaho | 100 | $ 12,288,000 | $ 122,880 | $ 59,000 |
| Kootenai, Idaho | 63 | $ 10,521,000 | $ 167,000 | $ 68,000 |
| Clearwater, Idaho | 48 | $ 5,371,000 | $ 111,895 | $ 60,000 |
| Whitman, Washington | 42 | $ 6,196,000 | $ 147,523 | $ 75,000 |
| Benewah, Idaho | 34 | $ 4,651,000 | $ 136,794 | $ 67,000 |
| Bonner, Idaho | 31 | $ 3,929,000 | $ 126,741 | $ 71,000 |
| Lewis, Idaho | 20 | $ 2,194,000 | $ 109,700 | $ 75,000 |
| Boundary, Idaho | 8 | $ 1,077,000 | $ 134,625 | $ 54,000 |
| Valley, Idaho | 7 | $ 774,000 | $ 110,571 | $ 118,000 |
| Shoshone, Idaho | 6 | $ 432,000 | $ 72,000 | $ 52,000 |
| Garfield, Washington | 6 | $ 746,000 | $ 124,333 | $ 70,000 |
| Spokane, Washington | 5 | $ 904,000 | $ 180,800 | $ 80,000 |
| Adams, Idaho | 1 | $ 182,000 | $ 182,000 | $ 441,000 |
| Wallowa, Oregon | 1 | $ 111,000 | $ 111,000 | $ 55,000 |
| Stevens, Washington | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2012
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 | 1,051 | $144,015,000 | $137,000 | $417,000 | $70,000 | $481,000 |
| Home Purchase | 302 | $43,383,000 | $143,000 | $417,000 | $68,000 | $417,000 |
| Home Improvement | 71 | $2,768,000 | $38,000 | $250,000 | $69,000 | $516,000 |
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 | 1,306 | $174,548,000 | $133,000 | $417,000 | $68,000 | $516,000 |
| Not Provided | 81 | $11,647,000 | $143,000 | $417,000 | $78,000 | $267,000 |
| American Indian or Alaskan Native | 14 | $1,367,000 | $97,000 | $231,000 | $52,000 | $84,000 |
| Hispanic | 14 | $1,516,000 | $108,000 | $220,000 | $49,000 | $74,000 |
| Asian | 6 | $512,000 | $85,000 | $160,000 | $279,000 | $417,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $292,000 | $146,000 | $160,000 | $67,000 | $81,000 |
| Black or African American | 1 | $284,000 | $284,000 | $284,000 | $72,000 | $72,000 |
| 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) | 1,421 | $189,771,000 | $133,000 | $417,000 | $69,000 | $516,000 |
| FHA-insured (Federal Housing Administration) | 2 | $315,000 | $157,000 | $168,000 | $51,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 1 | $80,000 | $80,000 | $80,000 | $23,000 | $23,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 860 | $113,792,000 | $132,000 | $403,000 | $73,000 | $481,000 |
| Application Withdrawn By Applicant | 330 | $46,349,000 | $140,000 | $417,000 | $70,000 | $516,000 |
| Application Denied By Financial Institution | 232 | $29,779,000 | $128,000 | $308,000 | $53,000 | $200,000 |
| Application Approved But Not Accepted | 2 | $246,000 | $123,000 | $142,000 | $109,000 | $168,000 |
| 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 | 98 | $11,961,000 | $122,000 | $284,000 | $57,000 | $200,000 |
| Debt-To-Income Ratio | 74 | $10,125,000 | $136,000 | $308,000 | $40,000 | $135,000 |
| Collateral | 47 | $6,550,000 | $139,000 | $295,000 | $67,000 | $167,000 |
| Other | 6 | $647,000 | $107,000 | $175,000 | $45,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $185,000 | $61,000 | $94,000 | $28,000 | $60,000 |
| Mortgage Insurance Denied | 1 | $198,000 | $198,000 | $198,000 | $40,000 | $40,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $18,000 | $18,000 |
| Employment History | 1 | $79,000 | $79,000 | $79,000 | $17,000 | $17,000 |
| 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 2012 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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