Potlatch No. 1 Financial Credit Union
Potlatch No. 1 Financial Credit Union received 1,255 applications in 2025 and made 792 mortgages, in 54 counties across 4 states. The median rate its borrowers got was 7.500% on a median loan of $135,000. Of 965 decisions, 129 were denials — 13.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900LX8DA8FRHUUD51 |
|---|---|
| Applications received | 1,255 |
| Mortgages made | 792 |
| Denied | 129 |
| Approved, not taken up | 44 |
| Withdrawn or incomplete | 290 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.3 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 180 | 6.375% | $295,000 | 10.5% |
| Refinancing | 148 | 7.500% | $135,000 | 12.9% |
| Cash-out refinancing | 38 | 6.375% | $190,000 | 33.3% |
| Other purposes | 426 | 7.500% | $95,000 | 12.6% |
Where Potlatch No. 1 Financial Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Nez Perce County, ID | 174 | 7.500% | 10.3% |
| Kootenai County, ID | 112 | 7.500% | 14.0% |
| Asotin County, WA | 77 | 7.500% | 8.9% |
| Latah County, ID | 60 | 7.500% | 14.9% |
| Bonner County, ID | 53 | 7.500% | 18.8% |
| Boundary County, ID | 36 | 7.500% | 12.2% |
| Whitman County, WA | 36 | 7.500% | 5.0% |
| Clearwater County, ID | 29 | 6.500% | 8.3% |
| Spokane County, WA | 29 | 7.750% | 11.8% |
| Benewah County, ID | 25 | 7.500% | 24.2% |
| Idaho County, ID | 20 | 6.750% | 13.8% |
| Shoshone County, ID | 19 | 7.250% | 32.3% |
| Okanogan County, WA | 18 | 7.500% | 9.5% |
| Walla Walla County, WA | 16 | 7.500% | 20.0% |
| Ada County, ID | 14 | 7.438% | 22.2% |
| Kittitas County, WA | 13 | 7.500% | 0.0% |
| Canyon County, ID | 12 | 7.375% | 20.0% |
| Lewis County, ID | 6 | Under 10 loans | 0.0% |
| Benton County, WA | 4 | Under 10 loans | 0.0% |
| Columbia County, WA | 4 | Under 10 loans | 0.0% |
| Garfield County, WA | 4 | Under 10 loans | 0.0% |
| King County, WA | 4 | Under 10 loans | 0.0% |
| Pend Oreille County, WA | 3 | Under 10 loans | 25.0% |
| Boise County, ID | 2 | Under 10 loans | 33.3% |
| Gem County, ID | 2 | Under 10 loans | 0.0% |
| Union County, OR | 2 | Under 10 loans | 33.3% |
| Douglas County, WA | 2 | Under 10 loans | 0.0% |
| Cochise County, AZ | 1 | Under 10 loans | 0.0% |
| Cassia County, ID | 1 | Under 10 loans | 0.0% |
| Minidoka County, ID | 1 | Under 10 loans | 0.0% |
| Owyhee County, ID | 1 | Under 10 loans | 0.0% |
| Teton County, ID | 1 | Under 10 loans | 0.0% |
| Baker County, OR | 1 | Under 10 loans | 0.0% |
| Malheur County, OR | 1 | Under 10 loans | 50.0% |
| Wallowa County, OR | 1 | Under 10 loans | 0.0% |
| Wasco County, OR | 1 | Under 10 loans | 0.0% |
| Clark County, WA | 1 | Under 10 loans | 0.0% |
| Grant County, WA | 1 | Under 10 loans | 0.0% |
| Grays Harbor County, WA | 1 | Under 10 loans | 0.0% |
| Island County, WA | 1 | Under 10 loans | 0.0% |
| Pierce County, WA | 1 | Under 10 loans | 0.0% |
| Snohomish County, WA | 1 | Under 10 loans | 0.0% |
| Thurston County, WA | 1 | Under 10 loans | 0.0% |
| Adams County, ID | 0 | Under 10 loans | 100.0% |
| Payette County, ID | 0 | Under 10 loans | 50.0% |
| Valley County, ID | 0 | Under 10 loans | Not published |
| Washington County, ID | 0 | Under 10 loans | 100.0% |
| Columbia County, OR | 0 | Under 10 loans | 0.0% |
| Coos County, OR | 0 | Under 10 loans | Not published |
| Linn County, OR | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.