Potlatch No 1 Financial Credit U Mortgage Lending & HMDA Data, 2016
In 2016, Potlatch No 1 Financial Credit U of Lewiston, ID reported 1,192 mortgage applications totaling $173.6 million, up 17% from 2015. The average application was for $145,625, and applicants reported an average income of $75,980. 59% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Lewiston, ID-WA (604), Coeur D'Alene, ID (123) and Boise City, ID (1) (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 | 1,192 |
| Total Mortgage Loan Application Amount | $173,586,000 |
| Average Mortgage Loan Application Amount | $145,625 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $75,980 |
| Highest Applicant Income | $2,007,000 |
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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lewiston, ID-WA | 604 | $ 88,282,000 | $ 146,162 | $ 78,847 |
| Coeur D'Alene, ID | 123 | $ 18,730,000 | $ 152,276 | $ 75,000 |
| Boise City, ID | 1 | $ 155,000 | $ 155,000 | $ 144,000 |
| Spokane-Spokane Valley, WA | 1 | $ 240,000 | $ 240,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Potlatch No 1 Financial Credit U in 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 635 | $87,379,000 | $137,000 | $600,000 | $72,000 | $381,000 |
| Home Purchase | 459 | $76,244,000 | $166,000 | $415,000 | $77,000 | $2,007,000 |
| Home Improvement | 98 | $9,963,000 | $101,000 | $287,000 | $97,000 | $1,018,000 |
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 | 1,020 | $147,462,000 | $144,000 | $420,000 | $78,000 | $2,007,000 |
| Not Provided | 129 | $19,647,000 | $152,000 | $380,000 | $71,000 | $247,000 |
| Hispanic | 17 | $2,078,000 | $122,000 | $221,000 | $60,000 | $133,000 |
| Not applicable | 10 | $2,040,000 | $204,000 | $600,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $1,309,000 | $145,000 | $235,000 | $64,000 | $96,000 |
| Asian | 3 | $756,000 | $252,000 | $378,000 | $87,000 | $103,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $102,000 | $34,000 | $53,000 | $85,000 | $100,000 |
| Black or African American | 1 | $192,000 | $192,000 | $192,000 | $36,000 | $36,000 |
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) | 1,173 | $170,447,000 | $145,000 | $600,000 | $76,000 | $2,007,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,078,000 | $173,000 | $248,000 | $63,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,061,000 | $151,000 | $280,000 | $56,000 | $113,000 |
| FHA-insured (Federal Housing 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 | 703 | $106,055,000 | $150,000 | $600,000 | $78,000 | $1,018,000 |
| Application Withdrawn By Applicant | 261 | $39,306,000 | $150,000 | $380,000 | $78,000 | $423,000 |
| Application Denied By Financial Institution | 209 | $25,459,000 | $121,000 | $400,000 | $69,000 | $2,007,000 |
| Application Approved But Not Accepted | 12 | $1,994,000 | $166,000 | $289,000 | $78,000 | $170,000 |
| File Closed For Incompleteness | 7 | $772,000 | $110,000 | $160,000 | $64,000 | $92,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 93 | $10,574,000 | $113,000 | $400,000 | $65,000 | $432,000 |
| Debt-To-Income Ratio | 53 | $6,655,000 | $125,000 | $310,000 | $42,000 | $262,000 |
| Collateral | 22 | $2,724,000 | $123,000 | $325,000 | $57,000 | $87,000 |
| Other | 16 | $1,448,000 | $90,000 | $170,000 | $66,000 | $180,000 |
| Credit Application Incomplete | 14 | $2,558,000 | $182,000 | $350,000 | $86,000 | $208,000 |
| Employment History | 6 | $961,000 | $160,000 | $197,000 | $69,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $204,000 | $102,000 | $120,000 | $1,020,000 | $2,007,000 |
| Unverifiable Information | 2 | $193,000 | $96,000 | $118,000 | $41,000 | $50,000 |
| 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 2016 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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