Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2024
In 2024, Potlatch No 1 Financial Credit U of Lewiston, ID reported 1,202 mortgage applications totaling $203.2 million, down 6% from 2023. The average application was for $169,018, and applicants reported an average income of $110,579. 61% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Lewiston, ID-WA (350), Coeur D'Alene, ID (204) and Spokane-Spokane Valley, WA (39) (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 | 1,202 |
| Total Mortgage Loan Application Amount | $203,160,000 |
| Average Mortgage Loan Application Amount | $169,018 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $110,579 |
| Highest Applicant Income | $729,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 219 | $ 33,795,000 | $ 154,315 | $ 107,000 |
| Kootenai, Idaho | 204 | $ 29,430,000 | $ 144,264 | $ 116,000 |
| Asotin, Washington | 131 | $ 21,855,000 | $ 166,832 | $ 104,000 |
| Latah, Idaho | 102 | $ 19,670,000 | $ 192,843 | $ 112,000 |
| Bonner, Idaho | 83 | $ 16,335,000 | $ 196,807 | $ 111,000 |
| Whitman, Washington | 67 | $ 11,195,000 | $ 167,089 | $ 112,000 |
| Clearwater, Idaho | 37 | $ 6,775,000 | $ 183,108 | $ 100,000 |
| Shoshone, Idaho | 37 | $ 4,725,000 | $ 127,702 | $ 92,000 |
| Boundary, Idaho | 36 | $ 5,700,000 | $ 158,333 | $ 97,000 |
| Idaho, Idaho | 34 | $ 6,000,000 | $ 176,470 | $ 83,000 |
| Spokane, Washington | 34 | $ 7,680,000 | $ 225,882 | $ 130,000 |
| Walla Walla, Washington | 32 | $ 8,300,000 | $ 259,375 | $ 131,000 |
| Benewah, Idaho | 29 | $ 3,565,000 | $ 122,931 | $ 84,000 |
| Okanogan, Washington | 28 | $ 6,240,000 | $ 222,857 | $ 109,000 |
| Canyon, Idaho | 17 | $ 2,915,000 | $ 171,470 | $ 114,000 |
| Ada, Idaho | 12 | $ 3,380,000 | $ 281,666 | $ 141,000 |
| Kittitas, Washington | 10 | $ 1,060,000 | $ 106,000 | $ 106,000 |
| Garfield, Washington | 8 | $ 770,000 | $ 96,250 | $ 117,000 |
| Umatilla, Oregon | 6 | $ 1,490,000 | $ 248,333 | $ 142,000 |
| Pend Oreille, Washington | 6 | $ 1,410,000 | $ 235,000 | $ 163,000 |
| Stevens, Washington | 5 | $ 1,585,000 | $ 317,000 | $ 231,000 |
| Payette, Idaho | 4 | $ 200,000 | $ 50,000 | $ 74,000 |
| Malheur, Oregon | 4 | $ 310,000 | $ 77,500 | $ 101,000 |
| Union, Oregon | 4 | $ 320,000 | $ 80,000 | $ 127,000 |
| Wallowa, Oregon | 4 | $ 460,000 | $ 115,000 | $ 88,000 |
| Franklin, Washington | 4 | $ 920,000 | $ 230,000 | $ 162,000 |
| Pierce, Washington | 4 | $ 360,000 | $ 90,000 | $ 85,000 |
| Adams, Idaho | 3 | $ 205,000 | $ 68,333 | $ 86,000 |
| Lewis, Idaho | 3 | $ 225,000 | $ 75,000 | $ 82,000 |
| Valley, Idaho | 3 | $ 765,000 | $ 255,000 | $ 205,000 |
| Baker, Oregon | 3 | $ 295,000 | $ 98,333 | $ 94,000 |
| Yakima, Washington | 3 | $ 185,000 | $ 61,666 | $ 88,000 |
| Gem, Idaho | 2 | $ 510,000 | $ 255,000 | $ 152,000 |
| Lincoln, Oregon | 2 | $ 750,000 | $ 375,000 | $ 233,000 |
| Benton, Washington | 2 | $ 290,000 | $ 145,000 | $ 122,000 |
| Douglas, Washington | 2 | $ 520,000 | $ 260,000 | $ 134,000 |
| Bonneville, Idaho | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Fremont, Idaho | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Owyhee, Idaho | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Washington, Idaho | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
| Mecklenburg, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Columbia, Oregon | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Morrow, Oregon | 1 | $ 235,000 | $ 235,000 | $ 140,000 |
| Tillamook, Oregon | 1 | $ 505,000 | $ 505,000 | $ 172,000 |
| Wasco, Oregon | 1 | $ 215,000 | $ 215,000 | $ 167,000 |
| Chelan, Washington | 1 | $ 205,000 | $ 205,000 | $ 57,000 |
| Columbia, Washington | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Grant, Washington | 1 | $ 225,000 | $ 225,000 | $ 174,000 |
| King, Washington | 1 | $ 75,000 | $ 75,000 | $ 170,000 |
| Lincoln, Washington | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| San Juan, Washington | 1 | $ 185,000 | $ 185,000 | $ 227,000 |
| Skagit, Washington | 1 | $ 245,000 | $ 245,000 | $ 240,000 |
| Snohomish, Washington | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Thurston, Washington | 1 | $ 145,000 | $ 145,000 | $ 441,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2024
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 | 495 | $50,085,000 | $101,000 | $645,000 | $101,000 | $608,000 |
| Home Purchase | 266 | $86,430,000 | $324,000 | $1,305,000 | $132,000 | $720,000 |
| Home Improvement | 194 | $20,080,000 | $103,000 | $1,005,000 | $110,000 | $442,000 |
| Refinancing | 168 | $28,200,000 | $167,000 | $1,165,000 | $119,000 | $729,000 |
| Cash-out Refinancing | 79 | $18,365,000 | $232,000 | $565,000 | $82,000 | $312,000 |
| 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 | 1,010 | $171,000,000 | $169,000 | $1,305,000 | $111,000 | $729,000 |
| Not Provided | 118 | $21,300,000 | $180,000 | $835,000 | $119,000 | $441,000 |
| Hispanic | 41 | $6,335,000 | $154,000 | $1,165,000 | $100,000 | $338,000 |
| American Indian or Alaskan Native | 15 | $1,915,000 | $127,000 | $495,000 | $97,000 | $193,000 |
| Black or African American | 8 | $600,000 | $75,000 | $175,000 | $86,000 | $220,000 |
| Asian | 5 | $865,000 | $173,000 | $305,000 | $76,000 | $94,000 |
| Not applicable | 4 | $1,070,000 | $267,000 | $405,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $67,000 | $67,000 |
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) | 1,202 | $203,160,000 | $169,000 | $1,305,000 | $111,000 | $729,000 |
| 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 | 734 | $121,990,000 | $166,000 | $1,305,000 | $116,000 | $729,000 |
| Application Withdrawn By Applicant | 237 | $46,315,000 | $195,000 | $865,000 | $112,000 | $720,000 |
| Application Denied By Financial Institution | 160 | $24,080,000 | $150,000 | $1,005,000 | $81,000 | $312,000 |
| Application Approved But Not Accepted | 52 | $8,580,000 | $165,000 | $1,095,000 | $111,000 | $442,000 |
| File Closed For Incompleteness | 19 | $2,195,000 | $115,000 | $345,000 | $116,000 | $245,000 |
| 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 | 1,042 | $179,080,000 | $171,000 | $1,305,000 | $115,000 | $729,000 |
| Debt-To-Income Ratio | 85 | $15,195,000 | $178,000 | $1,005,000 | $68,000 | $172,000 |
| Collateral | 38 | $4,220,000 | $111,000 | $355,000 | $91,000 | $162,000 |
| Credit History | 32 | $3,770,000 | $117,000 | $325,000 | $100,000 | $312,000 |
| Other | 2 | $450,000 | $225,000 | $385,000 | $192,000 | $192,000 |
| Employment History | 2 | $250,000 | $125,000 | $205,000 | $68,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $101,000 | $101,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2024 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About