Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2015
In 2015, Potlatch No 1 Financial Credit U of Lewiston, ID reported 1,020 mortgage applications totaling $141.1 million, up 21% from 2014. The average application was for $138,352, and applicants reported an average income of $71,388. 62% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Lewiston, ID-WA (563) and Coeur D'Alene, ID (57).
| 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 | 1,020 |
| Total Mortgage Loan Application Amount | $141,120,000 |
| Average Mortgage Loan Application Amount | $138,352 |
| Highest Mortgage Loan Application Amount | $1,375,000 |
| Average Applicant Income | $71,388 |
| Highest Applicant Income | $481,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 368 | $ 50,533,000 | $ 137,317 | $ 74,000 |
| Asotin, Washington | 195 | $ 27,220,000 | $ 139,589 | $ 72,000 |
| Latah, Idaho | 104 | $ 16,287,000 | $ 156,605 | $ 75,000 |
| Idaho, Idaho | 64 | $ 8,237,000 | $ 128,703 | $ 62,000 |
| Kootenai, Idaho | 57 | $ 10,435,000 | $ 183,070 | $ 68,000 |
| Bonner, Idaho | 49 | $ 6,291,000 | $ 128,387 | $ 72,000 |
| Clearwater, Idaho | 47 | $ 6,260,000 | $ 133,191 | $ 77,000 |
| Whitman, Washington | 36 | $ 5,113,000 | $ 142,027 | $ 79,000 |
| Boundary, Idaho | 30 | $ 3,428,000 | $ 114,266 | $ 61,000 |
| Benewah, Idaho | 24 | $ 2,417,000 | $ 100,708 | $ 52,000 |
| Garfield, Washington | 16 | $ 1,917,000 | $ 119,812 | $ 54,000 |
| Shoshone, Idaho | 14 | $ 1,392,000 | $ 99,428 | $ 70,000 |
| Lewis, Idaho | 13 | $ 1,307,000 | $ 100,538 | $ 62,000 |
| Valley, Idaho | 2 | $ 213,000 | $ 106,500 | $ 133,000 |
| Adams, Idaho | 1 | $ 70,000 | $ 70,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2015
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 | 579 | $76,254,000 | $131,000 | $417,000 | $69,000 | $429,000 |
| Home Purchase | 408 | $63,792,000 | $156,000 | $1,375,000 | $74,000 | $481,000 |
| Home Improvement | 33 | $1,074,000 | $32,000 | $75,000 | $81,000 | $159,000 |
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 | 879 | $122,247,000 | $139,000 | $1,375,000 | $72,000 | $481,000 |
| Not Provided | 107 | $14,569,000 | $136,000 | $385,000 | $70,000 | $250,000 |
| American Indian or Alaskan Native | 14 | $1,419,000 | $101,000 | $197,000 | $73,000 | $190,000 |
| Hispanic | 9 | $1,416,000 | $157,000 | $304,000 | $69,000 | $120,000 |
| Asian | 7 | $679,000 | $97,000 | $128,000 | $69,000 | $152,000 |
| Not applicable | 2 | $247,000 | $123,000 | $155,000 | $35,000 | $71,000 |
| Black or African American | 1 | $315,000 | $315,000 | $315,000 | $96,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $228,000 | $228,000 | $228,000 | $77,000 | $77,000 |
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) | 1,020 | $141,120,000 | $138,000 | $1,375,000 | $72,000 | $481,000 |
| 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 | 633 | $89,138,000 | $140,000 | $1,375,000 | $74,000 | $429,000 |
| Application Withdrawn By Applicant | 259 | $36,175,000 | $139,000 | $417,000 | $74,000 | $481,000 |
| Application Denied By Financial Institution | 121 | $14,732,000 | $121,000 | $385,000 | $53,000 | $256,000 |
| Application Approved But Not Accepted | 7 | $1,075,000 | $153,000 | $266,000 | $67,000 | $137,000 |
| 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 | 69 | $7,823,000 | $113,000 | $315,000 | $57,000 | $140,000 |
| Debt-To-Income Ratio | 29 | $4,148,000 | $143,000 | $385,000 | $33,000 | $94,000 |
| Collateral | 15 | $1,934,000 | $128,000 | $376,000 | $76,000 | $256,000 |
| Other | 2 | $244,000 | $122,000 | $136,000 | $29,000 | $37,000 |
| Employment History | 2 | $232,000 | $116,000 | $127,000 | $31,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $187,000 | $93,000 | $167,000 | $67,000 | $76,000 |
| Mortgage Insurance Denied | 1 | $84,000 | $84,000 | $84,000 | $38,000 | $38,000 |
| 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 2015 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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