Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2022
In 2022, Potlatch No 1 Financial Credit U of Lewiston, ID reported 1,770 mortgage applications totaling $304.4 million, down 21% from 2021. The average application was for $171,971, and applicants reported an average income of $96,044. 66% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Lewiston, ID-WA (510), Coeur D'Alene, ID (298) and Spokane-Spokane Valley, WA (55) (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 | 1,770 |
| Total Mortgage Loan Application Amount | $304,390,000 |
| Average Mortgage Loan Application Amount | $171,971 |
| Highest Mortgage Loan Application Amount | $5,675,000 |
| Average Applicant Income | $96,044 |
| Highest Applicant Income | $727,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 55,425,000 | $ 165,447 | $ 91,000 |
| Kootenai, Idaho | 298 | $ 55,430,000 | $ 186,006 | $ 104,000 |
| Asotin, Washington | 175 | $ 30,355,000 | $ 173,457 | $ 101,000 |
| Bonner, Idaho | 150 | $ 26,770,000 | $ 178,466 | $ 102,000 |
| Latah, Idaho | 146 | $ 25,540,000 | $ 174,931 | $ 103,000 |
| Whitman, Washington | 85 | $ 13,295,000 | $ 156,411 | $ 104,000 |
| Benewah, Idaho | 61 | $ 9,745,000 | $ 159,754 | $ 81,000 |
| Idaho, Idaho | 60 | $ 9,910,000 | $ 165,166 | $ 80,000 |
| Shoshone, Idaho | 59 | $ 7,695,000 | $ 130,423 | $ 73,000 |
| Boundary, Idaho | 55 | $ 9,315,000 | $ 169,363 | $ 89,000 |
| Clearwater, Idaho | 54 | $ 7,610,000 | $ 140,925 | $ 74,000 |
| Spokane, Washington | 47 | $ 8,285,000 | $ 176,276 | $ 109,000 |
| Walla Walla, Washington | 35 | $ 4,435,000 | $ 126,714 | $ 95,000 |
| Okanogan, Washington | 32 | $ 5,060,000 | $ 158,125 | $ 87,000 |
| Lewis, Idaho | 21 | $ 2,345,000 | $ 111,666 | $ 74,000 |
| Kittitas, Washington | 18 | $ 3,500,000 | $ 194,444 | $ 127,000 |
| Garfield, Washington | 13 | $ 2,025,000 | $ 155,769 | $ 98,000 |
| Canyon, Idaho | 10 | $ 1,210,000 | $ 121,000 | $ 89,000 |
| King, Washington | 8 | $ 1,870,000 | $ 233,750 | $ 161,000 |
| Stevens, Washington | 8 | $ 1,140,000 | $ 142,500 | $ 102,000 |
| Ada, Idaho | 7 | $ 1,865,000 | $ 266,428 | $ 132,000 |
| Malheur, Oregon | 7 | $ 675,000 | $ 96,428 | $ 57,000 |
| Union, Oregon | 7 | $ 335,000 | $ 47,857 | $ 82,000 |
| Umatilla, Oregon | 6 | $ 580,000 | $ 96,666 | $ 63,000 |
| Pend Oreille, Washington | 6 | $ 720,000 | $ 120,000 | $ 87,000 |
| Payette, Idaho | 5 | $ 545,000 | $ 109,000 | $ 59,000 |
| Wallowa, Oregon | 5 | $ 635,000 | $ 127,000 | $ 71,000 |
| Columbia, Washington | 5 | $ 495,000 | $ 99,000 | $ 119,000 |
| Lincoln, Washington | 5 | $ 795,000 | $ 159,000 | $ 53,000 |
| Benton, Washington | 4 | $ 620,000 | $ 155,000 | $ 73,000 |
| Pierce, Washington | 4 | $ 1,160,000 | $ 290,000 | $ 156,000 |
| Adams, Idaho | 3 | $ 265,000 | $ 88,333 | $ 49,000 |
| Valley, Idaho | 3 | $ 655,000 | $ 218,333 | $ 166,000 |
| Baker, Oregon | 3 | $ 275,000 | $ 91,666 | $ 114,000 |
| Jerome, Idaho | 2 | $ 280,000 | $ 140,000 | $ 87,000 |
| Chelan, Washington | 2 | $ 330,000 | $ 165,000 | $ 119,000 |
| Douglas, Washington | 2 | $ 350,000 | $ 175,000 | $ 65,000 |
| Kitsap, Washington | 2 | $ 6,420,000 | $ 3,210,000 | $ 0 |
| Lewis, Washington | 2 | $ 580,000 | $ 290,000 | $ 91,000 |
| Mason, Washington | 2 | $ 240,000 | $ 120,000 | $ 92,000 |
| Skagit, Washington | 2 | $ 1,150,000 | $ 575,000 | $ 0 |
| Snohomish, Washington | 2 | $ 280,000 | $ 140,000 | $ 129,000 |
| Whatcom, Washington | 2 | $ 2,900,000 | $ 1,450,000 | $ 0 |
| Bonneville, Idaho | 1 | $ 45,000 | $ 45,000 | $ 144,000 |
| Butte, Idaho | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Gem, Idaho | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Washington, Idaho | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| Grant, Oregon | 1 | $ 55,000 | $ 55,000 | $ 162,000 |
| Klamath, Oregon | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Clark, Washington | 1 | $ 165,000 | $ 165,000 | $ 115,000 |
| Ferry, Washington | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Franklin, Washington | 1 | $ 155,000 | $ 155,000 | $ 154,000 |
| Grays Harbor, Washington | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Thurston, Washington | 1 | $ 255,000 | $ 255,000 | $ 282,000 |
| Yakima, Washington | 1 | $ 155,000 | $ 155,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2022
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 488 | $52,890,000 | $108,000 | $885,000 | $89,000 | $530,000 |
| Home Purchase | 419 | $114,775,000 | $273,000 | $1,445,000 | $112,000 | $727,000 |
| Home Improvement | 378 | $38,060,000 | $100,000 | $755,000 | $102,000 | $520,000 |
| Cash-out Refinancing | 278 | $60,320,000 | $216,000 | $5,675,000 | $83,000 | $455,000 |
| Refinancing | 207 | $38,345,000 | $185,000 | $4,005,000 | $87,000 | $311,000 |
| 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 | 1,507 | $243,375,000 | $161,000 | $885,000 | $93,000 | $530,000 |
| Not Provided | 163 | $32,985,000 | $202,000 | $1,225,000 | $131,000 | $727,000 |
| Hispanic | 45 | $4,445,000 | $98,000 | $445,000 | $84,000 | $171,000 |
| American Indian or Alaskan Native | 25 | $2,915,000 | $116,000 | $445,000 | $71,000 | $143,000 |
| Not applicable | 12 | $18,460,000 | $1,538,000 | $5,675,000 | $50,000 | $50,000 |
| Black or African American | 10 | $1,050,000 | $105,000 | $245,000 | $101,000 | $159,000 |
| Asian | 4 | $470,000 | $117,000 | $225,000 | $122,000 | $171,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $230,000 | $115,000 | $155,000 | $143,000 | $213,000 |
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) | 1,770 | $304,390,000 | $171,000 | $5,675,000 | $96,000 | $727,000 |
| 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 | 1,172 | $204,660,000 | $174,000 | $5,675,000 | $101,000 | $727,000 |
| Application Withdrawn By Applicant | 249 | $43,185,000 | $173,000 | $645,000 | $93,000 | $455,000 |
| Application Denied By Financial Institution | 227 | $33,455,000 | $147,000 | $885,000 | $69,000 | $250,000 |
| File Closed For Incompleteness | 62 | $10,990,000 | $177,000 | $555,000 | $116,000 | $530,000 |
| Application Approved But Not Accepted | 60 | $12,100,000 | $201,000 | $755,000 | $102,000 | $340,000 |
| 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 | 1,543 | $270,935,000 | $175,000 | $5,675,000 | $100,000 | $727,000 |
| Debt-To-Income Ratio | 120 | $17,850,000 | $148,000 | $525,000 | $57,000 | $219,000 |
| Credit History | 47 | $7,145,000 | $152,000 | $885,000 | $81,000 | $179,000 |
| Collateral | 34 | $4,830,000 | $142,000 | $425,000 | $90,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,795,000 | $199,000 | $515,000 | $78,000 | $144,000 |
| Unverifiable Information | 7 | $535,000 | $76,000 | $125,000 | $76,000 | $173,000 |
| Employment History | 6 | $530,000 | $88,000 | $205,000 | $51,000 | $138,000 |
| Credit Application Incomplete | 2 | $200,000 | $100,000 | $155,000 | $66,000 | $76,000 |
| Other | 2 | $570,000 | $285,000 | $415,000 | $106,000 | $119,000 |
| 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 2022 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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