Acopia Mortgage Rates, Fees & Info
NASHVILLE, TNLEI: 549300L1DBFIJZI8LA40
Tax ID: 26-0777326
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Mortgage Data
Review & Overview
Acopia is a smaller mortgage company specializing in Home Purchase loans. Acopia has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Nashville, Greenville, Port St. Lucie, and Spartanburg among others. We have data for 103 markets. (Some data included below & more in-depth data is available with an active subscription.)Acopia has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Acopia is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 7/7/25 |
| 30 Year Conventional Purchase | 5.91% | 7/7/25 |
| 30 Year Conventional Refi | 6.95% | 7/7/25 |
| 30 Year Cash-out Refi | 7.25% | 7/7/25 |
| 30 Year FHA Purchase | 7.34% | 7/7/25 |
| 30 Year FHA Refi | 6.96% | 7/7/25 |
| 30 Year VA Purchase | 6.61% | 7/7/25 |
| 30 Year VA Refi | 6.37% | 7/7/25 |
| 30 Year USDA Purchase | 7.18% | 7/7/25 |
| 15 Year Conventional Purchase | 2.46% | 7/7/25 |
| 15 Year Conventional Refi | 6.32% | 7/7/25 |
| 15 Year Cash-out Refi | 6.32% | 7/7/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Acopia Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Acopia. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,840Origination Dollar Volume (All Markets)
$489,940,000Awards
ACOPIA - 2024
ACOPIA is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Acopia's average 30 year fixed mortgage rate was
6.04%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.51%.
Relative Fees (Closing Costs)
Acopia's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,826.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 434 | $121,520,000 | $280,000 | $10,804 | 5.67% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 156 | $53,920,000 | $345,641 | $10,333 | 6.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 162 | $46,310,000 | $285,864 | $9,827 | 6.16% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 145 | $40,735,000 | $280,931 | $10,213 | 6.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 98 | $26,190,000 | $267,245 | $9,701 | 5.95% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 47 | $15,325,000 | $326,064 | $13,863 | 5.54% |
| Greenwood, SC (FHA|USDA|VA) | 71 | $13,565,000 | $191,056 | $8,091 | 5.52% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 60 | $13,010,000 | $216,833 | $10,098 | 4.96% |
| JACKSON, MS (FHA|USDA|VA) | 62 | $11,730,000 | $189,194 | $7,686 | 5.66% |
| Outside of Metro Areas | 56 | $10,240,000 | $182,857 | $8,136 | 5.90% |
| Jefferson, GA (FHA|USDA|VA) | 30 | $10,080,000 | $336,000 | $8,885 | 6.60% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 29 | $6,835,000 | $235,690 | $9,825 | 5.49% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 35 | $6,465,000 | $184,714 | $7,024 | 7.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 16 | $6,390,000 | $399,375 | $10,652 | 6.44% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 11 | $6,085,000 | $553,182 | $15,895 | 6.42% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 14 | $5,880,000 | $420,000 | $10,138 | 6.85% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 39 | $5,695,000 | $146,026 | $7,601 | 6.51% |
| ASHEVILLE, NC (FHA|USDA|VA) | 10 | $4,360,000 | $436,000 | $5,504 | 6.76% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $4,290,000 | $357,500 | $12,084 | 7.04% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 18 | $4,200,000 | $233,333 | $10,391 | 5.83% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 12 | $3,440,000 | $286,667 | $7,734 | 5.96% |
| MONTGOMERY, AL (FHA|USDA|VA) | 16 | $3,380,000 | $211,250 | $7,051 | 6.79% |
| WILMINGTON, NC (FHA|USDA|VA) | 7 | $3,005,000 | $429,286 | $9,014 | 6.95% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 9 | $2,755,000 | $306,111 | $9,383 | 5.68% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 10 | $2,650,000 | $265,000 | $9,000 | 5.76% |
| Seneca, SC (FHA|USDA|VA) | 10 | $2,600,000 | $260,000 | $8,863 | 5.84% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 9 | $2,405,000 | $267,222 | $7,824 | 6.99% |
| SAVANNAH, GA (FHA|USDA|VA) | 13 | $2,375,000 | $182,692 | $12,196 | 3.93% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 9 | $2,335,000 | $259,444 | $8,261 | 6.19% |
| Fort Payne, AL (FHA|USDA|VA) | 9 | $2,215,000 | $246,111 | $6,601 | 6.88% |
| GADSDEN, AL (FHA|USDA|VA) | 15 | $2,075,000 | $138,333 | $7,235 | 6.58% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 8 | $2,050,000 | $256,250 | $7,234 | 6.48% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 12 | $1,970,000 | $164,167 | $7,970 | 4.95% |
| BRUNSWICK, GA (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $9,528 | 5.48% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 8 | $1,740,000 | $217,500 | $9,915 | 5.95% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $6,855 | 6.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $7,523 | 6.78% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $9,727 | 7.33% |
| Cookeville, TN (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $12,367 | 5.58% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $8,920 | 7.09% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $13,079 | 6.15% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 9 | $1,365,000 | $151,667 | $6,775 | 6.56% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $11,231 | 4.50% |
| Shelbyville, TN (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $9,102 | 6.72% |
| Jasper, AL (FHA|USDA|VA) | 8 | $1,170,000 | $146,250 | $6,987 | 7.23% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $7,783 | 5.00% |
| Cornelia, GA (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $7,911 | 6.59% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $13,328 | 7.69% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $13,498 | 6.79% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $7,846 | 6.73% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $9,119 | 3.95% |
| ROME, GA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $12,889 | 6.79% |
| Lewisburg, TN (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $15,445 | 6.94% |
| Okeechobee, FL (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $7,473 | 4.90% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,674 | 6.96% |
| VALDOSTA, GA (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $11,976 | 4.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $8,078 | 6.58% |
| Oxford, MS (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $12,269 | 6.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $7,273 | 6.58% |
| ALBANY, GA (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $10,241 | 3.65% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,538 | 6.06% |
| Cordele, GA (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $8,522 | 4.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $9,087 | 6.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $7,701 | 7.00% |
| DALTON, GA (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $9,016 | 4.94% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,463 | 7.06% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $10,022 | 7.25% |
| Waycross, GA (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $9,175 | 3.62% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $10,047 | 7.46% |
| Albertville, AL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,138 | 6.56% |
| Cleveland, MS (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,524 | 7.13% |
| St. Marys, GA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $9,469 | 3.92% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,306 | 6.50% |
| Bainbridge, GA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $11,519 | 4.96% |
| Sanford, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,596 | 7.00% |
| Paducah, KY-IL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $10,021 | 6.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,097 | 7.13% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,920 | 7.38% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,581 | 7.13% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,205 | 7.38% |
| Forest City, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,517 | 5.75% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,556 | 6.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,740 | 7.25% |
| Tifton, GA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $5,345 | 4.54% |
| Wilson, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,509 | 6.63% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,682 | 6.25% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,684 | 7.63% |
| Martin, TN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $7,556 | 6.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,349 | 6.25% |
| Milledgeville, GA (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $6,585 | 4.38% |
| Dublin, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $12,874 | 3.94% |
| Clarksdale, MS (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $10,252 | 3.05% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,502 | 7.38% |
| Vidalia, GA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $8,600 | 2.94% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,424 | 7.13% |
| Picayune, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,394 | 6.50% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,221 | 7.13% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $9,152 | 3.06% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,855 | 5.99% |
| Atmore, AL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $6,273 | 5.75% |
| Indianola, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,583 | 5.88% |
| Fitzgerald, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,664 | 6.88% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,943 | 6.63% |
Similar Lenders
We use machine learning to identify the top lenders compared against ACOPIA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, Acopia's most frequently originated type of loan was Conventional, with 1,048 originations. Their 2nd most popular type was FHA, with 607 originations.
Loan Reason
For 2024, Acopia's most frequently cited loan purpose was Home Purchase, with 1,749 originations. The 2nd most popular reason was Home Improvement, with 35 originations.
Loan Duration/Length
For 2024, Acopia's most frequently cited loan duration was 30 Year, with 1,711 originations. The 2nd most popular length was 15 Year, with 67 originations.
Origination Fees/Closing Costs
Acopia's average total fees were $9,826, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 638 originations.
Interest Rates
During 2024, Acopia's average interest rate for loans was 6.04%, while their most frequently originated rate bucket for loans was 6-7%, with 856 originations.
Loan Sizing
2024 saw Acopia place emphasis on $200k-400k loans with 973 originations, totaling $287,025,000 in origination value.
Applicant Income
Acopia lent most frequently to those with incomes in the $50k-75k range, with 508 originations. The second most popular income band? $75k-100k, with 432 originations.
Applicant Debt to Income Ratio
Acopia lent most frequently to those with DTI ratios of 50-60%, with 258 originations. The next most common DTI ratio? 30-36%, with 249 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.13%
Acopia has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination65.16%
Acopia has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,840 | $489,940,000 | $266,272 |