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 score and performance metrics.

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 an overall pricing score of 59.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

Potlatch No. 1 Financial Credit Union is a Credit Union headquartered in Lewiston, ID.

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Potlatch No. 1 Financial Credit Union

Credit Union•Lewiston, IDHQ•Direct•Reviews near you on Google

Potlatch No. 1 Financial Credit Union has 183 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Explore another lender or local market

Report Card

Potlatch No. 1 Financial Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 5.0 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

174 loans · 0.06% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

132 loans · 0.15% below market

Sound

Top 60% of lenders

3/5

Refinance

51 loans · 0.16% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Strong	174	95.1%	-0.056%Below	$2,423Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume174

Mix95.1%

Spread

-0.056%Below

Fees

$2,423Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	132	72.1%	-0.154%Below	$2,809Fees
Refinance	Strong	Strong	Strong	Strong	51	27.9%	+0.160%Above	$2,142Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume132

Mix72.1%

Spread

-0.154%Below

Fees

$2,809Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume51

Mix27.9%

Spread

+0.160%Above

Fees

$2,142Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

183

Applications

298

Volume

$56 million

Pricing & Closing

Avg Rate Spread

-0.050%

vs. market APOR

Avg Net Fees

$2,588

Origination − Credits

Pullthrough Rate

61.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$311,339

Avg Borrower Income

$122,907

Avg Property Value

$527,350

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 100100+None

West3

IDORWA

Top Metro Areas by Place Specialization Score

Lewiston, ID, ID-WAMetro

Volume 59Mix 32.24% of portfolio

97/100

Exceptional

Coeur d'Alene, IDMetro

Volume 11Mix 6.01% of portfolio

48/100

Sound

Top States by Place Specialization Score

IdahoState

Volume 109Mix 59.56% of portfolio

70/100

Strong

WashingtonState

Volume 70Mix 38.25% of portfolio

66/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.