Applications / Mortgage Analytics / Lenders / Idaho / Potlatch No. 1 Financial Credit Union
Lewiston, ID · Credit union · NCUA · $2.1 billion assets · 792 loans in 2025
Potlatch No. 1 Financial Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
792
loans originated, 2025
1,255
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Potlatch No. 1 Financial Credit Union ranks first of 129 lenders in Lewiston, ID-WA, and makes far more manufactured-home loans than similar credit unions.
In Lewiston, ID-WA, where it has lent since 2004, it ranks 1 of 129 with 11.3% of lending, ahead of United Wholesale Mortgage and Idaho Central Credit Union. Its share slipped from 12.2%; in a market of $394.7M, a few large loans by competitors can move a share by a point.
12.0% of its loans were for manufactured homes, against 0.3% at similar lenders (credit unions making between half and twice as many loans), higher than nearly all of them. Its higher-priced share (a rate well above the average for similar loans) was 5.6%, against 1.7%. Manufactured-home loans usually carry higher rates, and a share this large could account for most of that difference.
It made 792 loans, up 8%, the same as similar lenders and below the whole market's 10%. Its share of Kennewick-Richland, WA, which it entered in 2019, rose to 1.2% from 0.1%. Its originations reached 2,008 in 2020.
Other purposes made up 39.5% of its loans, refinance 23.5%, purchase 22.7% and home improvement 14.3%. Its typical loan was $135,000, against $105,000 at similar lenders. 27.8% went to low- and moderate-income borrowers, near the middle of the group.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Potlatch No. 1 Financial Credit Union took 1,255 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 39.5% · Refinance 23.5% · Purchase 22.7% · Home improvement 14.3%
Conventional 100.0% · of 792 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Idaho | 568 | 71.7% |
| Washington | 217 | 27.4% |
| Oregon | 6 | 0.8% |
| Arizona | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lewiston | 251 |
| Coeur d'Alene | 112 |
| Boise City | 31 |
| Spokane-Spokane Valley | 29 |
| Walla Walla | 16 |
| Kennewick-Richland | 4 |
| Seattle-Bellevue-Kent | 4 |
| Wenatchee-East Wenatchee | 2 |
| Everett | 1 |
| Olympia-Lacey-Tumwater | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LX8DA8FRHUUD51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 702975 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52734 | 2004–2017 |
Established 1 January 1938. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Potlatch No. 1 Financial Credit Union's data.
Potlatch No. 1 Financial Credit Union's data
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Potlatch No. 1 Financial Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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