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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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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.