Canopy Federal Credit Union
Canopy Federal Credit Union received 97 applications in 2025 and made 65 mortgages, in 6 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $105,000. Of 73 decisions, 8 were denials — 11.0%, most often for credit history. 26 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493004KGZVI015KO609 |
|---|---|
| Applications received | 97 |
| Mortgages made | 65 |
| Denied | 8 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 24 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.157 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 49 | 6.750% | $105,000 | 12.5% |
Where Canopy Federal Credit Union lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Spokane County, WA | 56 | 6.750% | 6.7% |
| Stevens County, WA | 3 | Under 10 loans | 0.0% |
| Bonner County, ID | 2 | Under 10 loans | 0.0% |
| Kootenai County, ID | 2 | Under 10 loans | 0.0% |
| Pend Oreille County, WA | 1 | Under 10 loans | 0.0% |
| Walla Walla County, WA | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Canopy Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.