Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2019
In 2019, Potlatch No 1 Financial Credit U of Lewiston, ID reported 1,374 mortgage applications totaling $202.0 million, up 18% from 2018. The average application was for $147,045, and applicants reported an average income of $83,823. 67% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Lewiston, ID-WA (580), Coeur D'Alene, ID (232) and Spokane-Spokane Valley, WA (15) (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 | 1,374 |
| Total Mortgage Loan Application Amount | $202,040,000 |
| Average Mortgage Loan Application Amount | $147,045 |
| Highest Mortgage Loan Application Amount | $5,485,000 |
| Average Applicant Income | $83,823 |
| Highest Applicant Income | $790,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 378 | $ 55,210,000 | $ 146,058 | $ 92,000 |
| Kootenai, Idaho | 232 | $ 31,910,000 | $ 137,543 | $ 82,000 |
| Asotin, Washington | 202 | $ 27,650,000 | $ 136,881 | $ 81,000 |
| Latah, Idaho | 139 | $ 22,135,000 | $ 159,244 | $ 89,000 |
| Bonner, Idaho | 89 | $ 13,725,000 | $ 154,213 | $ 87,000 |
| Whitman, Washington | 75 | $ 10,625,000 | $ 141,666 | $ 83,000 |
| Idaho, Idaho | 57 | $ 8,085,000 | $ 141,842 | $ 74,000 |
| Boundary, Idaho | 47 | $ 6,885,000 | $ 146,489 | $ 58,000 |
| Benewah, Idaho | 44 | $ 4,920,000 | $ 111,818 | $ 65,000 |
| Clearwater, Idaho | 30 | $ 2,830,000 | $ 94,333 | $ 79,000 |
| Shoshone, Idaho | 25 | $ 2,325,000 | $ 93,000 | $ 76,000 |
| Spokane, Washington | 12 | $ 1,860,000 | $ 155,000 | $ 63,000 |
| Lewis, Idaho | 11 | $ 1,045,000 | $ 95,000 | $ 90,000 |
| Garfield, Washington | 9 | $ 985,000 | $ 109,444 | $ 85,000 |
| Valley, Idaho | 3 | $ 555,000 | $ 185,000 | $ 102,000 |
| Stevens, Washington | 3 | $ 655,000 | $ 218,333 | $ 58,000 |
| Adams, Washington | 2 | $ 8,130,000 | $ 4,065,000 | $ 0 |
| Columbia, Washington | 2 | $ 220,000 | $ 110,000 | $ 66,000 |
| King, Washington | 2 | $ 140,000 | $ 70,000 | $ 48,000 |
| Ada, Idaho | 1 | $ 255,000 | $ 255,000 | $ 247,000 |
| Adams, Idaho | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Union, Oregon | 1 | $ 205,000 | $ 205,000 | $ 184,000 |
| Wallowa, Oregon | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Benton, Washington | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Chelan, Washington | 1 | $ 45,000 | $ 45,000 | $ 181,000 |
| Grant, Washington | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Okanogan, Washington | 1 | $ 85,000 | $ 85,000 | $ 13,000 |
| Pacific, Washington | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Snohomish, Washington | 1 | $ 305,000 | $ 305,000 | $ 92,000 |
| Thurston, Washington | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Yakima, Washington | 1 | $ 365,000 | $ 365,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2019
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 748 | $84,520,000 | $112,000 | $875,000 | $83,000 | $790,000 |
| Home Purchase | 407 | $84,345,000 | $207,000 | $5,485,000 | $85,000 | $790,000 |
| Refinancing | 199 | $31,495,000 | $158,000 | $435,000 | $85,000 | $445,000 |
| Other Purpose | 20 | $1,680,000 | $84,000 | $355,000 | $79,000 | $335,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,210 | $168,560,000 | $139,000 | $925,000 | $82,000 | $790,000 |
| Not Provided | 98 | $15,870,000 | $161,000 | $485,000 | $94,000 | $400,000 |
| Hispanic | 29 | $3,655,000 | $126,000 | $355,000 | $81,000 | $445,000 |
| American Indian or Alaskan Native | 20 | $2,840,000 | $142,000 | $335,000 | $94,000 | $264,000 |
| Asian | 4 | $230,000 | $57,000 | $125,000 | $60,000 | $88,000 |
| Black or African American | 4 | $760,000 | $190,000 | $285,000 | $99,000 | $160,000 |
| Not applicable | 4 | $8,500,000 | $2,125,000 | $5,485,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,374 | $202,040,000 | $147,000 | $5,485,000 | $84,000 | $790,000 |
| 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 | 923 | $142,865,000 | $154,000 | $5,485,000 | $88,000 | $790,000 |
| Application Withdrawn By Applicant | 234 | $30,540,000 | $130,000 | $485,000 | $80,000 | $416,000 |
| Application Denied By Financial Institution | 151 | $18,775,000 | $124,000 | $485,000 | $61,000 | $257,000 |
| Application Approved But Not Accepted | 60 | $9,080,000 | $151,000 | $485,000 | $85,000 | $365,000 |
| File Closed For Incompleteness | 6 | $780,000 | $130,000 | $275,000 | $73,000 | $100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,223 | $183,265,000 | $149,000 | $5,485,000 | $86,000 | $790,000 |
| Credit History | 64 | $8,320,000 | $130,000 | $485,000 | $63,000 | $257,000 |
| Debt-To-Income Ratio | 51 | $6,385,000 | $125,000 | $375,000 | $51,000 | $181,000 |
| Collateral | 13 | $1,715,000 | $131,000 | $425,000 | $90,000 | $184,000 |
| Other | 11 | $985,000 | $89,000 | $195,000 | $60,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $810,000 | $135,000 | $285,000 | $61,000 | $80,000 |
| Employment History | 4 | $510,000 | $127,000 | $245,000 | $49,000 | $66,000 |
| Unverifiable Information | 2 | $50,000 | $25,000 | $25,000 | $71,000 | $121,000 |
| Mortgage Insurance Denied | 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 2019 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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