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Potlatch No 1 Financial Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 522 | $ 90,270,000 | $ 172,931 | $ 106,222 |
| Lewiston, ID-WA | 350 | $ 55,650,000 | $ 159,000 | $ 105,877 |
| Coeur D'Alene, ID | 204 | $ 29,430,000 | $ 144,264 | $ 116,000 |
| Spokane-Spokane Valley, WA | 39 | $ 9,265,000 | $ 237,564 | $ 143,000 |
| Boise City, ID | 32 | $ 6,900,000 | $ 215,625 | $ 124,000 |
| Walla Walla, WA | 32 | $ 8,300,000 | $ 259,375 | $ 131,000 |
| Kennewick-Richland, WA | 6 | $ 1,210,000 | $ 201,666 | $ 149,000 |
| Tacoma-Lakewood, WA | 4 | $ 360,000 | $ 90,000 | $ 85,000 |
| Wenatchee, WA | 3 | $ 725,000 | $ 241,666 | $ 108,000 |
| Yakima, WA | 3 | $ 185,000 | $ 61,666 | $ 88,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Everett, WA | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Idaho Falls, ID | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 245,000 | $ 245,000 | $ 240,000 |
| Olympia-Tumwater, WA | 1 | $ 145,000 | $ 145,000 | $ 441,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 75,000 | $ 75,000 | $ 170,000 |
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.
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with aggregated HMDA statistics today.
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