Potlatch No. 1 Financial Credit Union in Idaho vs the state
11.6%Denial rate-2.82 pts vs state
14.9%Decision denial rate-2.61 pts vs state
62.9%Origination rate-0.12 pts vs state
7.50%Median rate+0.88 pts vs state
0.28Rate spread (pts)+0.13 pts vs state
$95kMedian applicant income
568Loans originated
105Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 892 | 542 | 14.4% | 7.25% | #17 |
| 2024 | 829 | 514 | 13.9% | 8.00% | #19 |
| 2025 | 903 | 568 | 11.6% | 7.50% | #21 |
What Potlatch No. 1 Financial Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Potlatch No. 1 Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nez Perce County | 237 | 174 | 21 | 8.9% |
| Kootenai County | 179 | 112 | 19 | 10.6% |
| Latah County | 99 | 60 | 11 | 11.1% |
| Bonner County | 99 | 53 | 13 | 13.1% |
| Boundary County | 50 | 36 | 5 | 10.0% |
| Clearwater County | 48 | 29 | 3 | 6.3% |
| Shoshone County | 42 | 19 | 10 | 23.8% |
| Benewah County | 40 | 25 | 8 | 20.0% |
| Idaho County | 36 | 20 | 4 | 11.1% |
| Canyon County | 23 | 12 | 3 | 13.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 903 applications in 2025, of which 568 were originated and 105 denied.
11.6% of all applications, or 14.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Potlatch No. 1 Financial Credit Union originated in Idaho in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Potlatch No. 1 Financial Credit Union's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology