Lenders › Potlatch No 1 Financial Credit U › Washington
Potlatch No 1 Financial Credit U in Washington
HMDA record for properties in Washington, calendar year 2024. National record · Washington overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Potlatch No 1 Financial Credit U's 2024 HMDA record for Washington covers 345 applications, 208 of them originated, worth $38m.
Its denial rate in the state was 14.9%, below the Washington rate of 21.3% across all lenders and compared with the lender's national rate of 16.9%.
The median rate spread on its Washington originations was 0.4 percentage points (state median 0.4).
Applications in the state were down 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Washington | Washington, all lenders | Potlatch No 1 Financial Credit U, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.9% | 21.3% | 16.9% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.3% | 15.8% | 18.8% | 15.6% |
| Average originated loan | $182k | $440k | $166k | $329k |
| Home purchase share | 33.7% | 54.5% | 23.4% | 57.0% |
| FHA-insured share | 0.0% | 9.9% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 8.6% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWashington, all lenders
Loan purpose and loan type in Washington
By purpose
Home purchase 34% (70)Home improvement 14% (29)Refinancing 10% (20)Cash-out refinancing 4% (9)Other purpose 38% (80)
By type
Conventional 100% (208)
Denial reasons as coded
Share of 39 denials in Washington by first denial reason coded (outlined bar: all lenders in the state).
Counties in Washington
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Asotin County | 131 | 88 | $15m | 10.6% |
| Whitman County | 67 | 36 | $5.5m | 17.0% |
| Spokane County | 34 | 20 | $4.8m | 14.8% |
| Walla Walla County | 32 | 17 | $3.9m | — |
| Okanogan County | 28 | 14 | $3.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Potlatch No 1 Financial Credit U originate in Washington in 2024?
208 loans totalling $38m, from 345 applications reported for properties in Washington.
What is Potlatch No 1 Financial Credit U's denial rate in Washington?
14.9% of decided applications in Washington were denied, against 21.3% for all lenders in the state and 16.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Washington counties does Potlatch No 1 Financial Credit U lend in most?
By originations: Asotin County (88), Whitman County (36), Spokane County (20), Walla Walla County (17), Okanogan County (14).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Washington. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.