# Potlatch No. 1 Financial Credit Union

> **Canonical URL:** https://saferate.com/lenders/potlatch-no-1-financial-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Potlatch No. 1 Financial Credit Union is a credit union, headquartered in Lewiston, ID, serving borrowers across 3 states, with 183 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 41% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900LX8DA8FRHUUD51
- **Headquarters:** Lewiston, ID
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** ID, OR, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.050%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,588
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 183
- **Dollar Volume:** $57 million
- **Applications Received:** 298
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $311,339
- **Average Borrower Income:** $122,907
- **Average Property Value:** $527,350

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 174 | -0.056% | $2,423 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 125 loans, Score: 61/100 (Strong)
- Refinance: 49 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 132 | $45M | -0.154% | Sound ☺️ |
| Refinance | 64/100 | 51 | $12M | +0.160% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ID | 109 | 0.41% | 70/100 |
| WA | 70 | 0.08% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 87 | 57/100 |
| Lewiston, ID | ID-WA | 59 | 97/100 |
| Coeur d'Alene, ID | ID | 11 | 48/100 |

## Where This Lender Ranks

Potlatch No. 1 Financial Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lewiston, ID for Conventional Loans
  - [View Full Rankings](https://saferate.com/lewiston-id/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Idaho for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Idaho for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Idaho for Conventional Loans
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Idaho Credit Unions
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Lewiston, ID
  - [View Full Rankings](https://saferate.com/lewiston-id/best-mortgage-lenders)
- 🏆 **#5** in Coeur d'Alene, ID for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Coeur d'Alene, ID for Conventional Loans
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Potlatch No. 1 Financial Credit Union offer?

Potlatch No. 1 Financial Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Potlatch No. 1 Financial Credit Union offer mortgages?

Potlatch No. 1 Financial Credit Union offers mortgages in 3 states: ID, OR, WA.

### How competitive are Potlatch No. 1 Financial Credit Union's mortgage rates?

Potlatch No. 1 Financial Credit Union has a pricing score of 59/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.050% below market average.

### What type of lender is Potlatch No. 1 Financial Credit Union?

Potlatch No. 1 Financial Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lewiston, ID.

### What is Potlatch No. 1 Financial Credit Union's loan approval success rate?

Potlatch No. 1 Financial Credit Union has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/potlatch-no-1-financial-credit-union

### How to Cite

> "Potlatch No. 1 Financial Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/potlatch-no-1-financial-credit-union

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