Potlatch No. 1 Financial Credit Union mortgage approval rate & lending review
Potlatch No. 1 Financial Credit Union decided 404 mortgage applications and funded 315 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Potlatch No. 1 Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Potlatch No. 1 Financial Credit Union at a glance
Approval is 6.8 points above the 74.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 84% | 81 / 97 | 96% | $295K | 78 |
| Home improvement loans | 80% | 107 / 134 | 95% | $75K | 102 |
| Cash-out refinance | 77% | 20 / 26 | 90% | $165K | 18 |
| Refinance | 81% | 92 / 114 | 98% | $105K | 90 |
Potlatch No. 1 Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Idaho | 81% | $105K | 325 | 255 |
| Washington | 83% | $135K | 77 | 59 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Potlatch No. 1 Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kootenai County, ID | Home improvement loans | 80% | 105 | 80 |
| Kootenai County, ID | Refinance | 80% | 85 | 67 |
| Kootenai County, ID | Mortgage lenders | 88% | 52 | 45 |
| Kootenai County, ID | Cash-out refinance | 85% | 20 | 16 |
The county markets where Potlatch No. 1 Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Potlatch No. 1 Financial Credit Union
What is Potlatch No. 1 Financial Credit Union's mortgage approval rate?
Potlatch No. 1 Financial Credit Union approved 81.2% of the 404 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.8 points above the 74.4% national rate for the same mix of loan types.
How often do borrowers take the loan Potlatch No. 1 Financial Credit Union offers?
Borrowers accepted 96% of the loans Potlatch No. 1 Financial Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Potlatch No. 1 Financial Credit Union make?
The typical home improvement loan loan Potlatch No. 1 Financial Credit Union made was $75K; across all loan types its typical loan ran from $75K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Potlatch No. 1 Financial Credit Union lend?
Potlatch No. 1 Financial Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Idaho, Washington and Arizona.
Can I apply to Potlatch No. 1 Financial Credit Union directly?
Yes. Potlatch No. 1 Financial Credit Union is a bank or credit union with 28 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Potlatch No. 1 Financial Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Potlatch No. 1 Financial Credit Union treats applications, then get a rate quote from the lender.