Canopy Mortgage in Idaho vs the state
2.1%Denial rate-12.36 pts vs state
2.8%Decision denial rate-14.76 pts vs state
73.6%Origination rate+10.55 pts vs state
6.38%Median rate-0.25 pts vs state
0.25Rate spread (pts)+0.09 pts vs state
$98kMedian applicant income
423Loans originated
12Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 403 | 289 | 0.5% | 6.50% | #48 |
| 2024 | 474 | 319 | 2.1% | 6.50% | #38 |
| 2025 | 575 | 423 | 2.1% | 6.38% | #35 |
What Canopy Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Canopy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bonneville County | 210 | 155 | 4 | 1.9% |
| Jefferson County | 65 | 50 | 2 | 3.1% |
| Bingham County | 62 | 51 | 0 | 0.0% |
| Madison County | 58 | 46 | 3 | 5.2% |
| Kootenai County | 36 | 26 | 1 | 2.8% |
| Bannock County | 25 | 21 | 0 | 0.0% |
| Idaho County | 17 | 10 | 1 | 5.9% |
| Fremont County | 16 | 6 | 0 | 0.0% |
| Ada County | 14 | 10 | 0 | 0.0% |
| Butte County | 6 | 3 | 0 | 0.0% |
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: 575 applications in 2025, of which 423 were originated and 12 denied.
2.1% of all applications, or 2.8% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Canopy Mortgage originated in Idaho in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Canopy Mortgage'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