Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2020
In 2020, Potlatch No 1 Financial Credit U of Lewiston, ID reported 2,756 mortgage applications totaling $509.7 million, up 101% from 2019. The average application was for $184,934, and applicants reported an average income of $92,633. 73% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lewiston, ID-WA (1,107), Coeur D'Alene, ID (411) and Spokane-Spokane Valley, WA (54) (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 | 2,756 |
| Total Mortgage Loan Application Amount | $509,680,000 |
| Average Mortgage Loan Application Amount | $184,934 |
| Highest Mortgage Loan Application Amount | $4,805,000 |
| Average Applicant Income | $92,633 |
| Highest Applicant Income | $3,500,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 769 | $ 144,395,000 | $ 187,769 | $ 98,000 |
| Kootenai, Idaho | 411 | $ 85,235,000 | $ 207,384 | $ 89,000 |
| Asotin, Washington | 338 | $ 61,610,000 | $ 182,278 | $ 91,000 |
| Latah, Idaho | 308 | $ 58,580,000 | $ 190,194 | $ 103,000 |
| Whitman, Washington | 168 | $ 29,460,000 | $ 175,357 | $ 99,000 |
| Bonner, Idaho | 149 | $ 27,955,000 | $ 187,617 | $ 92,000 |
| Idaho, Idaho | 120 | $ 21,830,000 | $ 181,916 | $ 84,000 |
| Clearwater, Idaho | 88 | $ 13,220,000 | $ 150,227 | $ 79,000 |
| Boundary, Idaho | 83 | $ 14,305,000 | $ 172,349 | $ 74,000 |
| Benewah, Idaho | 76 | $ 10,680,000 | $ 140,526 | $ 73,000 |
| Shoshone, Idaho | 52 | $ 6,190,000 | $ 119,038 | $ 71,000 |
| Spokane, Washington | 46 | $ 9,340,000 | $ 203,043 | $ 92,000 |
| Lewis, Idaho | 30 | $ 4,830,000 | $ 161,000 | $ 94,000 |
| Garfield, Washington | 19 | $ 2,605,000 | $ 137,105 | $ 80,000 |
| Okanogan, Washington | 12 | $ 1,570,000 | $ 130,833 | $ 126,000 |
| Benton, Washington | 8 | $ 1,590,000 | $ 198,750 | $ 107,000 |
| Stevens, Washington | 8 | $ 1,340,000 | $ 167,500 | $ 83,000 |
| Walla Walla, Washington | 7 | $ 1,495,000 | $ 213,571 | $ 109,000 |
| Valley, Idaho | 6 | $ 1,400,000 | $ 233,333 | $ 91,000 |
| Wallowa, Oregon | 5 | $ 1,095,000 | $ 219,000 | $ 95,000 |
| Pierce, Washington | 5 | $ 1,455,000 | $ 291,000 | $ 146,000 |
| Payette, Idaho | 4 | $ 600,000 | $ 150,000 | $ 74,000 |
| Malheur, Oregon | 4 | $ 470,000 | $ 117,500 | $ 61,000 |
| King, Washington | 4 | $ 1,570,000 | $ 392,500 | $ 178,000 |
| Kittitas, Washington | 4 | $ 610,000 | $ 152,500 | $ 56,000 |
| Gem, Idaho | 3 | $ 255,000 | $ 85,000 | $ 23,000 |
| Chelan, Washington | 3 | $ 695,000 | $ 231,666 | $ 149,000 |
| Pend Oreille, Washington | 3 | $ 395,000 | $ 131,666 | $ 90,000 |
| Canyon, Idaho | 2 | $ 240,000 | $ 120,000 | $ 36,000 |
| Lane, Oregon | 2 | $ 880,000 | $ 440,000 | $ 155,000 |
| Columbia, Washington | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| Grant, Washington | 2 | $ 400,000 | $ 200,000 | $ 81,000 |
| Snohomish, Washington | 2 | $ 530,000 | $ 265,000 | $ 97,000 |
| Ada, Idaho | 1 | $ 205,000 | $ 205,000 | $ 118,000 |
| Adams, Idaho | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Blaine, Idaho | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Lemhi, Idaho | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Twin Falls, Idaho | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Washington, Idaho | 1 | $ 155,000 | $ 155,000 | $ 136,000 |
| Umatilla, Oregon | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Union, Oregon | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Clallam, Washington | 1 | $ 435,000 | $ 435,000 | $ 226,000 |
| Jefferson, Washington | 1 | $ 265,000 | $ 265,000 | $ 105,000 |
| Lewis, Washington | 1 | $ 235,000 | $ 235,000 | $ 224,000 |
| Thurston, Washington | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Yakima, Washington | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2020
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 | 1,217 | $207,565,000 | $170,000 | $965,000 | $91,000 | $835,000 |
| Refinancing | 884 | $170,760,000 | $193,000 | $1,415,000 | $92,000 | $599,000 |
| Home Purchase | 555 | $122,835,000 | $221,000 | $4,805,000 | $96,000 | $3,500,000 |
| Other Purpose | 96 | $7,830,000 | $81,000 | $505,000 | $99,000 | $336,000 |
| Home Improvement | 4 | $690,000 | $172,000 | $225,000 | $110,000 | $195,000 |
| Not Applicable | 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 | 2,392 | $441,200,000 | $184,000 | $4,805,000 | $92,000 | $835,000 |
| Not Provided | 240 | $43,550,000 | $181,000 | $495,000 | $103,000 | $3,500,000 |
| Hispanic | 46 | $8,340,000 | $181,000 | $425,000 | $99,000 | $645,000 |
| American Indian or Alaskan Native | 33 | $4,555,000 | $138,000 | $315,000 | $69,000 | $130,000 |
| Not applicable | 16 | $7,060,000 | $441,000 | $1,415,000 | $0 | $0 |
| Asian | 15 | $2,815,000 | $187,000 | $355,000 | $133,000 | $445,000 |
| Black or African American | 5 | $525,000 | $105,000 | $185,000 | $108,000 | $186,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $420,000 | $210,000 | $215,000 | $98,000 | $125,000 |
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) | 2,756 | $509,680,000 | $184,000 | $4,805,000 | $93,000 | $3,500,000 |
| 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 | 2,008 | $378,960,000 | $188,000 | $4,805,000 | $95,000 | $835,000 |
| Application Withdrawn By Applicant | 410 | $72,320,000 | $176,000 | $515,000 | $98,000 | $3,500,000 |
| Application Denied By Financial Institution | 247 | $41,325,000 | $167,000 | $705,000 | $69,000 | $645,000 |
| Application Approved But Not Accepted | 66 | $12,820,000 | $194,000 | $435,000 | $88,000 | $247,000 |
| File Closed For Incompleteness | 25 | $4,255,000 | $170,000 | $395,000 | $74,000 | $197,000 |
| 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 | 2,509 | $468,355,000 | $186,000 | $4,805,000 | $95,000 | $3,500,000 |
| Debt-To-Income Ratio | 94 | $14,780,000 | $157,000 | $425,000 | $50,000 | $175,000 |
| Credit History | 91 | $13,445,000 | $147,000 | $405,000 | $77,000 | $645,000 |
| Collateral | 32 | $5,010,000 | $156,000 | $425,000 | $82,000 | $166,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $4,820,000 | $344,000 | $705,000 | $86,000 | $247,000 |
| Other | 6 | $1,290,000 | $215,000 | $395,000 | $135,000 | $304,000 |
| Employment History | 6 | $1,090,000 | $181,000 | $335,000 | $44,000 | $64,000 |
| Unverifiable Information | 4 | $890,000 | $222,000 | $325,000 | $77,000 | $135,000 |
| 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 2020 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.
For a list of all lenders in Idaho, download the full spreadsheet
with aggregated HMDA statistics today.
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