Applications / Mortgage Analytics / Lenders / Washington / Canopy Federal Credit Union
Spokane, WA · Credit union · NCUA · $231 million assets · 65 loans in 2025
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65
loans originated, 2025
97
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Canopy Federal Credit Union hardly finances home purchases: they were only 3.1% of its 65 loans in 2025.
Other purposes made up 40.0% of its loans, home improvement 35.4% and refinances 21.5%. Manufactured homes were 13.8%. That is higher than about nine in ten similar lenders, credit unions making between half and twice as many loans, the typical one of which made none. Its typical loan, $105,000, was near the middle of its peers.
Higher-priced loans (a rate well above the average for similar loans) were 15.4% of its loans, against 3.1% at peers, down from 23.9% in 2024. Manufactured-home loans are often priced higher, as are home-improvement and other-purpose loans, which make up most of its mix. Together these could account for most of the difference. Its typical rate, 6.75%, matched its peers'.
It made 65 loans, down 3% from 67, while similar lenders grew 7%. Its count peaked at 201 in 2020 and has fallen every year since.
Low- and moderate-income neighborhoods took 30.8% of its loans, against 17.4% at similar lenders, higher than more than four in five of them. In Spokane-Spokane Valley it ranked 83 of 346 lenders with 0.2%, unchanged. It has lent there since 1992.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Canopy Federal Credit Union took 97 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 40.0% · Home improvement 35.4% · Refinance 21.5% · Purchase 3.1%
Conventional 100.0% · of 65 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Washington | 61 | 93.8% |
| Idaho | 4 | 6.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Spokane-Spokane Valley | 59 |
| Coeur d'Alene | 2 |
| Walla Walla | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004KGZVI015KO609 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 605580 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511162 | 1992–2017 |
Established 1 January 1956. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Canopy Federal Credit Union's data.
Canopy Federal Credit Union's data
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Canopy Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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