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Potlatch No. 1 Financial Credit Union

Credit UnionLewiston, IDDirect

Potlatch No 1 Financial Credit Union has 183 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
Conventional
Place
Strong
Regional · 2 mkts
Safe Rate AwardsConventional SuperstarRefinance Superstar

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Report Card

Potlatch No. 1 Financial Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
Rates 5.0 bps below market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Strong
Strong
17495.1%
-0.056%Below
$2,423Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Sound
13272.1%
-0.154%Below
$2,809Fees
Refinance
Strong
Strong
Strong
Strong
5127.9%
+0.160%Above
$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
2
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

IDORWA

Top Metro Areas by Place Specialization Score

1
Lewiston, ID, ID-WAMSA
Volume: 59Mix: 32.24%of portfolio
Place
Exceptional
2
Coeur d'Alene, ID, IDMSA
Volume: 11Mix: 6.01%of portfolio
Place
Sound

Top States by Place Specialization Score

1
IDState
Volume: 109Mix: 59.56%of portfolio
Place
Strong
2
WAState
Volume: 70Mix: 38.25%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

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

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.