Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2021
In 2021, Potlatch No 1 Financial Credit U of Lewiston, ID reported 2,233 mortgage applications totaling $394.2 million, down 19% from 2020. The average application was for $176,531, and applicants reported an average income of $87,564. 64% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Lewiston, ID-WA (729), Coeur D'Alene, ID (345) and Spokane-Spokane Valley, WA (44) (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 | 2,233 |
| Total Mortgage Loan Application Amount | $394,195,000 |
| Average Mortgage Loan Application Amount | $176,531 |
| Highest Mortgage Loan Application Amount | $6,505,000 |
| Average Applicant Income | $87,564 |
| Highest Applicant Income | $1,538,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 488 | $ 86,220,000 | $ 176,680 | $ 90,000 |
| Kootenai, Idaho | 345 | $ 61,635,000 | $ 178,652 | $ 86,000 |
| Asotin, Washington | 241 | $ 40,295,000 | $ 167,199 | $ 81,000 |
| Latah, Idaho | 196 | $ 34,390,000 | $ 175,459 | $ 87,000 |
| Bonner, Idaho | 185 | $ 34,135,000 | $ 184,513 | $ 93,000 |
| Whitman, Washington | 115 | $ 21,865,000 | $ 190,130 | $ 93,000 |
| Idaho, Idaho | 102 | $ 18,940,000 | $ 185,686 | $ 91,000 |
| Boundary, Idaho | 80 | $ 13,060,000 | $ 163,250 | $ 67,000 |
| Benewah, Idaho | 77 | $ 11,805,000 | $ 153,311 | $ 74,000 |
| Clearwater, Idaho | 76 | $ 11,670,000 | $ 153,552 | $ 96,000 |
| Shoshone, Idaho | 73 | $ 8,765,000 | $ 120,068 | $ 75,000 |
| Okanogan, Washington | 48 | $ 6,980,000 | $ 145,416 | $ 82,000 |
| Spokane, Washington | 41 | $ 13,825,000 | $ 337,195 | $ 96,000 |
| Lewis, Idaho | 22 | $ 2,640,000 | $ 120,000 | $ 62,000 |
| Walla Walla, Washington | 17 | $ 3,485,000 | $ 205,000 | $ 111,000 |
| Kittitas, Washington | 12 | $ 2,610,000 | $ 217,500 | $ 159,000 |
| Douglas, Washington | 10 | $ 1,040,000 | $ 104,000 | $ 60,000 |
| Garfield, Washington | 9 | $ 1,365,000 | $ 151,666 | $ 78,000 |
| Ada, Idaho | 8 | $ 1,840,000 | $ 230,000 | $ 91,000 |
| Pend Oreille, Washington | 8 | $ 1,990,000 | $ 248,750 | $ 115,000 |
| Umatilla, Oregon | 5 | $ 855,000 | $ 171,000 | $ 112,000 |
| Union, Oregon | 5 | $ 535,000 | $ 107,000 | $ 384,000 |
| Baker, Oregon | 4 | $ 510,000 | $ 127,500 | $ 97,000 |
| Benton, Washington | 4 | $ 380,000 | $ 95,000 | $ 98,000 |
| Ferry, Washington | 4 | $ 320,000 | $ 80,000 | $ 56,000 |
| Lincoln, Washington | 4 | $ 690,000 | $ 172,500 | $ 46,000 |
| Snohomish, Washington | 4 | $ 960,000 | $ 240,000 | $ 107,000 |
| Yakima, Washington | 4 | $ 900,000 | $ 225,000 | $ 129,000 |
| Canyon, Idaho | 3 | $ 345,000 | $ 115,000 | $ 55,000 |
| Malheur, Oregon | 3 | $ 405,000 | $ 135,000 | $ 43,000 |
| Wallowa, Oregon | 3 | $ 505,000 | $ 168,333 | $ 64,000 |
| Adams, Washington | 3 | $ 675,000 | $ 225,000 | $ 56,000 |
| Stevens, Washington | 3 | $ 715,000 | $ 238,333 | $ 53,000 |
| Adams, Idaho | 2 | $ 150,000 | $ 75,000 | $ 48,000 |
| Valley, Idaho | 2 | $ 430,000 | $ 215,000 | $ 89,000 |
| Columbia, Washington | 2 | $ 350,000 | $ 175,000 | $ 58,000 |
| Grant, Washington | 2 | $ 450,000 | $ 225,000 | $ 112,000 |
| Thurston, Washington | 2 | $ 410,000 | $ 205,000 | $ 82,000 |
| Whatcom, Washington | 2 | $ 1,170,000 | $ 585,000 | $ 52,000 |
| Bear Lake, Idaho | 1 | $ 75,000 | $ 75,000 | $ 16,000 |
| Payette, Idaho | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Twin Falls, Idaho | 1 | $ 385,000 | $ 385,000 | $ 83,000 |
| Washington, Idaho | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Clark, Nevada | 1 | $ 485,000 | $ 485,000 | $ 523,000 |
| Deschutes, Oregon | 1 | $ 235,000 | $ 235,000 | $ 139,000 |
| Jackson, Oregon | 1 | $ 405,000 | $ 405,000 | $ 69,000 |
| Lane, Oregon | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Marion, Oregon | 1 | $ 5,000 | $ 5,000 | $ 41,000 |
| Multnomah, Oregon | 1 | $ 305,000 | $ 305,000 | $ 154,000 |
| Polk, Oregon | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Washington, Oregon | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Clallam, Washington | 1 | $ 145,000 | $ 145,000 | $ 177,000 |
| Franklin, Washington | 1 | $ 35,000 | $ 35,000 | $ 13,000 |
| Kitsap, Washington | 1 | $ 155,000 | $ 155,000 | $ 139,000 |
| Klickitat, Washington | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Pacific, Washington | 1 | $ 225,000 | $ 225,000 | $ 179,000 |
| Pierce, Washington | 1 | $ 65,000 | $ 65,000 | $ 124,000 |
| Skagit, Washington | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2021
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 | 1,052 | $178,410,000 | $169,000 | $6,505,000 | $84,000 | $523,000 |
| Refinancing | 542 | $86,900,000 | $160,000 | $545,000 | $86,000 | $1,538,000 |
| Home Purchase | 483 | $111,965,000 | $231,000 | $1,205,000 | $93,000 | $718,000 |
| Other Purpose | 116 | $9,890,000 | $85,000 | $435,000 | $102,000 | $835,000 |
| Home Improvement | 40 | $7,030,000 | $175,000 | $545,000 | $95,000 | $242,000 |
| 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 | 1,904 | $325,810,000 | $171,000 | $545,000 | $87,000 | $1,538,000 |
| Not Provided | 210 | $39,970,000 | $190,000 | $545,000 | $102,000 | $835,000 |
| Hispanic | 52 | $8,600,000 | $165,000 | $375,000 | $69,000 | $304,000 |
| American Indian or Alaskan Native | 30 | $5,180,000 | $172,000 | $535,000 | $77,000 | $210,000 |
| Asian | 15 | $2,455,000 | $163,000 | $275,000 | $68,000 | $144,000 |
| Not applicable | 11 | $10,555,000 | $959,000 | $6,505,000 | $0 | $0 |
| Black or African American | 4 | $820,000 | $205,000 | $285,000 | $146,000 | $167,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $280,000 | $140,000 | $245,000 | $116,000 | $127,000 |
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) | 2,233 | $394,195,000 | $176,000 | $6,505,000 | $88,000 | $1,538,000 |
| 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 | 1,426 | $252,860,000 | $177,000 | $6,505,000 | $89,000 | $835,000 |
| Application Withdrawn By Applicant | 414 | $74,600,000 | $180,000 | $545,000 | $87,000 | $599,000 |
| Application Denied By Financial Institution | 268 | $44,270,000 | $165,000 | $535,000 | $76,000 | $1,538,000 |
| Application Approved But Not Accepted | 67 | $12,525,000 | $186,000 | $535,000 | $85,000 | $282,000 |
| File Closed For Incompleteness | 58 | $9,940,000 | $171,000 | $545,000 | $103,000 | $640,000 |
| 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 | 1,965 | $349,925,000 | $178,000 | $6,505,000 | $89,000 | $835,000 |
| Debt-To-Income Ratio | 107 | $18,975,000 | $177,000 | $445,000 | $49,000 | $446,000 |
| Credit History | 75 | $11,755,000 | $156,000 | $535,000 | $108,000 | $1,538,000 |
| Collateral | 45 | $6,155,000 | $136,000 | $405,000 | $91,000 | $247,000 |
| Other | 13 | $1,965,000 | $151,000 | $275,000 | $100,000 | $261,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,080,000 | $208,000 | $345,000 | $55,000 | $105,000 |
| Unverifiable Information | 8 | $1,710,000 | $213,000 | $305,000 | $63,000 | $144,000 |
| Employment History | 6 | $690,000 | $115,000 | $225,000 | $65,000 | $150,000 |
| Credit Application Incomplete | 4 | $940,000 | $235,000 | $345,000 | $90,000 | $105,000 |
| 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 2021 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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with aggregated HMDA statistics today.
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