Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2017
In 2017, Potlatch No 1 Financial Credit U of Lewiston, ID reported 1,109 mortgage applications totaling $161.2 million, down 7% from 2016. The average application was for $145,380, and applicants reported an average income of $73,638. 57% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Lewiston, ID-WA (516), Coeur D'Alene, ID (130) and Spokane-Spokane Valley, 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 | 1,109 |
| Total Mortgage Loan Application Amount | $161,227,000 |
| Average Mortgage Loan Application Amount | $145,380 |
| Highest Mortgage Loan Application Amount | $1,565,000 |
| Average Applicant Income | $73,638 |
| Highest Applicant Income | $566,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 335 | $ 49,086,000 | $ 146,525 | $ 80,000 |
| Asotin, Washington | 181 | $ 28,624,000 | $ 158,143 | $ 71,000 |
| Kootenai, Idaho | 130 | $ 18,329,000 | $ 140,992 | $ 70,000 |
| Latah, Idaho | 116 | $ 18,681,000 | $ 161,043 | $ 83,000 |
| Idaho, Idaho | 75 | $ 9,689,000 | $ 129,186 | $ 64,000 |
| Bonner, Idaho | 73 | $ 11,134,000 | $ 152,520 | $ 67,000 |
| Whitman, Washington | 48 | $ 7,295,000 | $ 151,979 | $ 74,000 |
| Boundary, Idaho | 45 | $ 6,059,000 | $ 134,644 | $ 57,000 |
| Clearwater, Idaho | 42 | $ 4,575,000 | $ 108,928 | $ 78,000 |
| Benewah, Idaho | 26 | $ 3,777,000 | $ 145,269 | $ 81,000 |
| Shoshone, Idaho | 21 | $ 2,207,000 | $ 105,095 | $ 54,000 |
| Lewis, Idaho | 11 | $ 1,144,000 | $ 104,000 | $ 69,000 |
| Garfield, Washington | 4 | $ 229,000 | $ 57,250 | $ 35,000 |
| Valley, Idaho | 1 | $ 228,000 | $ 228,000 | $ 90,000 |
| Spokane, Washington | 1 | $ 170,000 | $ 170,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2017
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 | 493 | $83,430,000 | $169,000 | $1,280,000 | $76,000 | $566,000 |
| Refinancing | 461 | $62,216,000 | $134,000 | $1,565,000 | $72,000 | $495,000 |
| Home Improvement | 155 | $15,581,000 | $100,000 | $350,000 | $71,000 | $275,000 |
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 | 950 | $135,858,000 | $143,000 | $1,280,000 | $73,000 | $566,000 |
| Not Provided | 105 | $15,016,000 | $143,000 | $392,000 | $83,000 | $275,000 |
| Hispanic | 21 | $2,767,000 | $131,000 | $255,000 | $62,000 | $195,000 |
| American Indian or Alaskan Native | 17 | $2,494,000 | $146,000 | $231,000 | $72,000 | $174,000 |
| Asian | 7 | $1,265,000 | $180,000 | $372,000 | $91,000 | $170,000 |
| Not applicable | 6 | $3,446,000 | $574,000 | $1,565,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $115,000 | $57,000 | $75,000 | $55,000 | $69,000 |
| Black or African American | 1 | $266,000 | $266,000 | $266,000 | $173,000 | $173,000 |
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) | 1,106 | $160,715,000 | $145,000 | $1,565,000 | $74,000 | $566,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $249,000 | $124,000 | $150,000 | $50,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 1 | $263,000 | $263,000 | $263,000 | $58,000 | $58,000 |
| FHA-insured (Federal Housing 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 | 628 | $97,665,000 | $155,000 | $1,565,000 | $77,000 | $566,000 |
| Application Denied By Financial Institution | 197 | $23,745,000 | $120,000 | $417,000 | $64,000 | $378,000 |
| Application Withdrawn By Applicant | 188 | $26,158,000 | $139,000 | $424,000 | $73,000 | $322,000 |
| File Closed For Incompleteness | 49 | $6,905,000 | $140,000 | $377,000 | $71,000 | $275,000 |
| Application Approved But Not Accepted | 47 | $6,754,000 | $143,000 | $330,000 | $77,000 | $232,000 |
| 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 | 85 | $9,947,000 | $117,000 | $410,000 | $63,000 | $214,000 |
| Debt-To-Income Ratio | 47 | $5,644,000 | $120,000 | $350,000 | $43,000 | $122,000 |
| Collateral | 18 | $1,570,000 | $87,000 | $205,000 | $103,000 | $378,000 |
| Other | 13 | $1,871,000 | $143,000 | $300,000 | $88,000 | $275,000 |
| Employment History | 7 | $899,000 | $128,000 | $300,000 | $60,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $510,000 | $170,000 | $205,000 | $62,000 | $107,000 |
| Unverifiable Information | 3 | $577,000 | $192,000 | $417,000 | $51,000 | $91,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $91,000 | $91,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Potlatch No 1 Financial Credit U's 2017 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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