Acopia Mortgage Rates, Fees & Info

NASHVILLE, TN

LEI: 549300L1DBFIJZI8LA40

Tax ID: 26-0777326

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Acopia is a small mortgage company specializing in Home Purchase loans. Acopia has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Nashville, Washington, Port St. Lucie, and Charlotte among others. We have data for 188 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.26% 12/16/24
    30 Year Conventional Purchase 6.56% 12/16/24
    30 Year Conventional Refi 6.75% 12/16/24
    30 Year Cash-out Refi 7.07% 12/16/24
    30 Year FHA Purchase 7.75% 12/16/24
    30 Year FHA Refi 7.23% 12/16/24
    30 Year VA Purchase 6.52% 12/16/24
    30 Year USDA Purchase 6.96% 12/16/24
    30 Year USDA Refi 6.69% 12/16/24
    15 Year Conventional Purchase 5.64% 12/16/24
    15 Year Conventional Refi 5.93% 12/16/24
    15 Year Cash-out Refi 5.93% 12/16/24
    15 Year FHA Purchase 5.68% 12/16/24
    15 Year FHA Refi 5.68% 12/16/24
    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

    4,710

    Origination Dollar Volume (All Markets)

    $1,009,120,000
    Show all (19) awards

    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) 967 $203,385,000 $210,326 $5,450 4.86%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 809 $178,165,000 $220,229 $5,241 4.88%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 218 $67,010,000 $307,385 $6,256 4.62%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 239 $44,845,000 $187,636 $5,794 4.87%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 198 $42,480,000 $214,545 $4,985 4.85%
    LOUISVILLE, KY (FHA|USDA|VA) 208 $38,770,000 $186,394 $3,749 4.87%
    ASHEVILLE, NC (FHA|USDA|VA) 98 $27,970,000 $285,408 $3,563 4.73%
    Outside of Metro Areas 132 $22,120,000 $167,576 $4,731 4.76%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 84 $15,580,000 $185,476 $4,510 4.89%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 39 $15,375,000 $394,231 $6,759 5.25%
    GAINESVILLE, GA (FHA|USDA|VA) 68 $14,590,000 $214,559 $5,274 4.78%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 51 $14,455,000 $283,431 $4,826 5.43%
    HUNTSVILLE, AL (FHA|USDA|VA) 75 $14,265,000 $190,200 $4,925 4.81%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 42 $12,500,000 $297,619 $5,918 4.63%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 59 $11,175,000 $189,407 $3,804 4.77%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 53 $11,155,000 $210,472 $5,914 5.19%
    RALEIGH-CARY, NC (FHA|USDA|VA) 33 $9,175,000 $278,030 $3,864 4.58%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 25 $8,975,000 $359,000 $6,372 4.90%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 34 $8,090,000 $237,941 $3,645 4.96%
    DOVER, DE (FHA|USDA|VA) 36 $7,960,000 $221,111 $5,174 5.19%
    SALISBURY, MD-DE (FHA|USDA|VA) 37 $7,895,000 $213,378 $4,428 4.64%
    FAYETTEVILLE, NC (FHA|USDA|VA) 47 $7,695,000 $163,723 $4,663 4.73%
    Paducah, KY-IL (FHA|USDA|VA) 64 $7,600,000 $118,750 $4,196 5.00%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 39 $7,225,000 $185,256 $4,246 5.01%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 33 $6,895,000 $208,939 $6,781 4.92%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 27 $6,825,000 $252,778 $6,491 5.15%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 30 $6,410,000 $213,667 $6,516 4.90%
    STOCKTON, CA (FHA|USDA|VA) 22 $5,990,000 $272,273 $3,739 5.76%
    WARNER ROBINS, GA (FHA|USDA|VA) 30 $5,490,000 $183,000 $4,935 4.69%
    JACKSONVILLE, FL (FHA|USDA|VA) 15 $5,165,000 $344,333 $8,971 5.02%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 13 $5,115,000 $393,462 $5,905 5.09%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 17 $4,935,000 $290,294 $7,587 5.05%
    SPARTANBURG, SC (FHA|USDA|VA) 30 $4,700,000 $156,667 $4,519 4.70%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 26 $4,600,000 $176,923 $4,726 4.50%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 29 $4,565,000 $157,414 $4,105 4.58%
    Jefferson, GA (FHA|USDA|VA) 23 $4,535,000 $197,174 $5,476 4.95%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 17 $4,475,000 $263,235 $6,248 5.11%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 14 $4,440,000 $317,143 $7,715 4.68%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $4,435,000 $233,421 $4,515 5.05%
    Moultrie, GA (FHA|USDA|VA) 29 $4,035,000 $139,138 $5,389 4.83%
    LaGrange, GA-AL (FHA|USDA|VA) 25 $3,975,000 $159,000 $5,206 4.59%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 19 $3,715,000 $195,526 $4,334 5.15%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $3,655,000 $281,154 $8,512 4.28%
    VALDOSTA, GA (FHA|USDA|VA) 22 $3,620,000 $164,545 $5,955 4.77%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 8 $3,330,000 $416,250 $7,300 5.19%
    Lewisburg, TN (FHA|USDA|VA) 18 $3,320,000 $184,444 $4,516 5.13%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 25 $3,225,000 $129,000 $6,126 4.80%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 20 $2,950,000 $147,500 $5,943 4.57%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 17 $2,715,000 $159,706 $4,791 4.76%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 11 $2,705,000 $245,909 $3,604 4.22%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $2,645,000 $293,889 $6,363 5.35%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 12 $2,550,000 $212,500 $5,871 4.58%
    Thomasville, GA (FHA|USDA|VA) 14 $2,490,000 $177,857 $5,128 4.45%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 14 $2,280,000 $162,857 $5,372 4.87%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 12 $2,170,000 $180,833 $5,967 4.88%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 7 $2,165,000 $309,286 $5,365 4.95%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 5 $2,115,000 $423,000 $6,737 5.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 13 $2,075,000 $159,615 $4,589 4.37%
    Fort Payne, AL (FHA|USDA|VA) 18 $2,060,000 $114,444 $5,587 4.88%
    Seneca, SC (FHA|USDA|VA) 10 $2,010,000 $201,000 $3,346 4.91%
    Shelbyville, TN (FHA|USDA|VA) 11 $1,995,000 $181,364 $4,318 4.75%
    RICHMOND, VA (FHA|USDA|VA) 7 $1,785,000 $255,000 $5,095 5.07%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $1,705,000 $341,000 $4,192 4.80%
    ALBANY, GA (FHA|USDA|VA) 10 $1,640,000 $164,000 $5,744 4.85%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 9 $1,595,000 $177,222 $3,342 5.47%
    GADSDEN, AL (FHA|USDA|VA) 12 $1,580,000 $131,667 $4,143 4.84%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $1,540,000 $256,667 $5,845 4.75%
    Greenwood, SC (FHA|USDA|VA) 8 $1,510,000 $188,750 $3,857 4.81%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 7 $1,475,000 $210,714 $6,063 4.75%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 9 $1,455,000 $161,667 $5,218 5.04%
    Cookeville, TN (FHA|USDA|VA) 7 $1,445,000 $206,429 $6,486 4.95%
    Statesboro, GA (FHA|USDA|VA) 8 $1,350,000 $168,750 $3,280 4.98%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,350,000 $225,000 $5,515 5.08%
    Marion, NC (FHA|USDA|VA) 3 $1,305,000 $435,000 $5,743 4.79%
    BOWLING GREEN, KY (FHA|USDA|VA) 7 $1,285,000 $183,571 $4,694 4.80%
    Milledgeville, GA (FHA|USDA|VA) 5 $1,255,000 $251,000 $4,329 4.78%
    Sevierville, TN (FHA|USDA|VA) 7 $1,225,000 $175,000 $6,988 5.00%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $1,200,000 $300,000 $5,815 6.53%
    COLUMBIA, SC (FHA|USDA|VA) 6 $1,190,000 $198,333 $4,572 5.08%
    LEBANON, PA (FHA|USDA|VA) 12 $1,150,000 $95,833 $4,994 4.97%
    Brevard, NC (FHA|USDA|VA) 4 $1,140,000 $285,000 $5,070 4.47%
    ROCKY MOUNT, NC (FHA|USDA|VA) 7 $995,000 $142,143 $6,046 4.81%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $985,000 $328,333 $9,175 4.83%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 9 $965,000 $107,222 $4,552 5.14%
    DALTON, GA (FHA|USDA|VA) 7 $955,000 $136,429 $5,308 4.58%
    Show Low, AZ (FHA|USDA|VA) 3 $885,000 $295,000 $5,571 5.83%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $885,000 $177,000 $5,615 5.08%
    Calhoun, GA (FHA|USDA|VA) 5 $855,000 $171,000 $5,273 4.65%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $855,000 $285,000 $3,593 4.92%
    KNOXVILLE, TN (FHA|USDA|VA) 6 $830,000 $138,333 $5,469 5.15%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $815,000 $271,667 $5,364 5.71%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $800,000 $200,000 $4,144 4.94%
    Mayfield, KY (FHA|USDA|VA) 7 $795,000 $113,571 $4,642 4.70%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $775,000 $258,333 $4,315 4.25%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $770,000 $385,000 $7,191 4.13%
    Boone, NC (FHA|USDA|VA) 2 $770,000 $385,000 $5,150 4.69%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $730,000 $365,000 $6,735 4.56%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $725,000 $241,667 $5,991 5.38%
    Tifton, GA (FHA|USDA|VA) 6 $710,000 $118,333 $5,596 4.46%
    Cullowhee, NC (FHA|USDA|VA) 2 $690,000 $345,000 $3,766 4.81%
    Greeneville, TN (FHA|USDA|VA) 6 $660,000 $110,000 $6,153 4.90%
    Georgetown, SC (FHA|USDA|VA) 2 $650,000 $325,000 $7,402 5.25%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $650,000 $325,000 $3,831 4.94%
    Forest City, NC (FHA|USDA|VA) 1 $645,000 $645,000 $9,448 4.75%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $635,000 $635,000 $10,019 3.75%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $620,000 $310,000 $7,862 5.00%
    MODESTO, CA (FHA|USDA|VA) 2 $580,000 $290,000 $7,716 4.19%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $555,000 $185,000 $3,866 4.50%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 3 $545,000 $181,667 $4,444 5.13%
    HOT SPRINGS, AR (FHA|USDA|VA) 2 $530,000 $265,000 $3,372 4.63%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $510,000 $255,000 $10,196 4.81%
    Lawrenceburg, TN (FHA|USDA|VA) 3 $505,000 $168,333 $6,076 4.25%
    WILMINGTON, NC (FHA|USDA|VA) 4 $500,000 $125,000 $5,359 4.79%
    BRUNSWICK, GA (FHA|USDA|VA) 3 $495,000 $165,000 $4,070 5.29%
    Albemarle, NC (FHA|USDA|VA) 2 $480,000 $240,000 $7,732 4.63%
    Cedartown, GA (FHA|USDA|VA) 3 $475,000 $158,333 $4,604 4.92%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $470,000 $235,000 $3,400 3.88%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $460,000 $230,000 $6,407 5.00%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 4 $460,000 $115,000 $2,931 5.47%
    WINCHESTER, VA-WV (FHA|USDA|VA) 2 $460,000 $230,000 $5,406 4.69%
    COLUMBUS, GA-AL (FHA|USDA|VA) 3 $455,000 $151,667 $3,797 4.54%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $430,000 $215,000 $4,858 4.63%
    Scottsboro, AL (FHA|USDA|VA) 3 $405,000 $135,000 $4,965 4.63%
    Cordele, GA (FHA|USDA|VA) 5 $405,000 $81,000 $4,055 5.15%
    SAVANNAH, GA (FHA|USDA|VA) 2 $400,000 $200,000 $6,266 4.50%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $390,000 $195,000 $1,996 4.50%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $385,000 $128,333 $4,277 5.88%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $380,000 $190,000 $4,472 5.19%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $360,000 $180,000 $2,612 4.63%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $355,000 $355,000 $9,617 4.38%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $350,000 $175,000 $7,130 5.19%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $345,000 $345,000 $3,359 4.88%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $340,000 $170,000 $5,402 5.50%
    BOULDER, CO (FHA|USDA|VA) 1 $335,000 $335,000 $2,801 4.63%
    GREELEY, CO (FHA|USDA|VA) 1 $325,000 $325,000 $5,089 5.00%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $315,000 $315,000 $2,841 5.25%
    Crossville, TN (FHA|USDA|VA) 2 $310,000 $155,000 $5,714 4.75%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $305,000 $305,000 $9,748 4.88%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $305,000 $305,000 $2,720 4.88%
    Lumberton, NC (FHA|USDA|VA) 1 $295,000 $295,000 $5,103 4.88%
    Wilson, NC (FHA|USDA|VA) 2 $290,000 $145,000 $4,016 4.69%
    Bardstown, KY (FHA|USDA|VA) 2 $290,000 $145,000 $5,169 5.06%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $290,000 $145,000 $5,922 4.81%
    Bainbridge, GA (FHA|USDA|VA) 2 $280,000 $140,000 $6,097 5.19%
    YUBA CITY, CA (FHA|USDA|VA) 2 $280,000 $140,000 $1,642 6.44%
    McMinnville, TN (FHA|USDA|VA) 3 $275,000 $91,667 $4,391 4.75%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $275,000 $275,000 $3,202 4.88%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $275,000 $275,000 $5,350 3.88%
    Fitzgerald, GA (FHA|USDA|VA) 3 $255,000 $85,000 $4,368 4.92%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $255,000 $255,000 $12,926 4.88%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $245,000 $245,000 $6,578 4.50%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $245,000 $245,000 $6,227 4.38%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,718 4.88%
    OWENSBORO, KY (FHA|USDA|VA) 1 $215,000 $215,000 $2,367 4.75%
    GRAND JUNCTION, CO (FHA|USDA|VA) 2 $210,000 $105,000 $4,104 6.81%
    Union City, TN (FHA|USDA|VA) 2 $210,000 $105,000 $5,106 4.75%
    Key West, FL (FHA|USDA|VA) 1 $205,000 $205,000 $7,565 4.38%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,978 5.88%
    Sanford, NC (FHA|USDA|VA) 1 $205,000 $205,000 $30 5.00%
    MOBILE, AL (FHA|USDA|VA) 2 $190,000 $95,000 $3,631 5.25%
    Murray, KY (FHA|USDA|VA) 1 $185,000 $185,000 $6,138 5.25%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $175,000 $175,000 $7,462 4.25%
    Lake City, FL (FHA|USDA|VA) 1 $165,000 $165,000 $6,458 5.25%
    OCALA, FL (FHA|USDA|VA) 2 $160,000 $80,000 $4,949 4.63%
    GREENVILLE, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,554 4.50%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,580 4.50%
    Brownsville, TN (FHA|USDA|VA) 2 $140,000 $70,000 $7,508 4.63%
    Dublin, GA (FHA|USDA|VA) 1 $135,000 $135,000 $4,504 5.00%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,126 5.13%
    Cambridge, MD (FHA|USDA|VA) 1 $135,000 $135,000 $5,407 4.63%
    ROME, GA (FHA|USDA|VA) 2 $130,000 $65,000 $3,512 2.38%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $125,000 $125,000 $5,555 5.38%
    Shelby, NC (FHA|USDA|VA) 2 $120,000 $60,000 $6,235 5.25%
    FLORENCE, SC (FHA|USDA|VA) 1 $115,000 $115,000 $2,876 4.25%
    Toccoa, GA (FHA|USDA|VA) 1 $115,000 $115,000 $3,019 5.13%
    Athens, TN (FHA|USDA|VA) 1 $115,000 $115,000 $6,129 4.88%
    DECATUR, AL (FHA|USDA|VA) 1 $105,000 $105,000 $4,088 4.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $105,000 $105,000 $1,581 3.25%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $105,000 $105,000 $2,690 4.25%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,477 5.13%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $105,000 $105,000 $3,175 4.88%
    JACKSON, TN (FHA|USDA|VA) 1 $95,000 $95,000 $2,957 5.38%
    Gaffney, SC (FHA|USDA|VA) 1 $85,000 $85,000 $2,961 5.38%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $80,000 $40,000 $5,382 4.75%
    Malvern, AR (FHA|USDA|VA) 1 $75,000 $75,000 $4,108 4.13%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $75,000 $75,000 $2,122 3.88%
    Vidalia, GA (FHA|USDA|VA) 1 $65,000 $65,000 $3,724 4.88%
    CLEVELAND, TN (FHA|USDA|VA) 1 $55,000 $55,000 $297 4.13%
    Acopia's top markets include Atlanta, Nashville, Washington, Port St. Lucie, and Charlotte among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)

    • 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.

    McCoy Federal Credit Union
    Similarity Rank: 60
    Independence Bank of Kentucky
    Similarity Rank: 180
    Suncoast Credit Union
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    We Florida Financial
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    GUARANTY MORTGAGE SERVICES, L.L.C.
    Similarity Rank: 312
    FOUNDERS FEDERAL CREDIT UNION
    Similarity Rank: 363
    Natbank
    Similarity Rank: 392
    KELLEY MORTGAGE, LLC
    Similarity Rank: 412
    Cadence Bank, N.A.
    Similarity Rank: 416
    POWER FINANCIAL
    Similarity Rank: 432

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,543 $574,135,000 $225,771 $4,095 4.93%
    FHA 1,334 $267,420,000 $200,465 $7,182 4.75%
    VA 463 $112,385,000 $242,732 $5,261 4.66%
    USDA 297 $45,955,000 $154,731 $4,942 4.72%
    HELOC 73 $9,225,000 $126,370 n/a 6.39%

    For 2018, Acopia's most frequently originated type of loan was Conventional, with 2,543 originations. Their 2nd most popular type was FHA, with 1,334 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,975 $838,845,000 $211,030 $5,224 4.86%
    Cash Out Refi 280 $59,890,000 $213,893 $5,320 4.96%
    Refi 252 $68,420,000 $271,508 $4,584 4.57%
    Home Improvement 203 $41,965,000 $206,724 $5,158 5.14%

    For 2018, Acopia's most frequently cited loan purpose was Home Purchase, with 3,975 originations. The 2nd most popular reason was Cash Out Refi, with 280 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,346 $958,460,000 $220,538 $5,299 4.85%
    15 Year 205 $32,645,000 $159,244 $4,177 4.39%
    20 Year 108 $14,730,000 $136,389 $2,640 6.01%
    10 Year 33 $1,305,000 $39,545 $3,354 4.34%
    Other 10 $1,910,000 $191,000 $5,151 4.84%
    5 Year 8 $70,000 $8,750 $0 0.00%

    For 2018, Acopia's most frequently cited loan duration was 30 Year, with 4,346 originations. The 2nd most popular length was 15 Year, with 205 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,771 $374,705,000 $211,578
    $1k-2k 1,493 $300,555,000 $201,309
    $2k-3k 670 $131,530,000 $196,313
    $3k-4k 357 $80,655,000 $225,924
    $5k+ 170 $67,590,000 $397,588
    $4k-5k 156 $42,860,000 $274,744

    Acopia's average total fees were $5,299, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,771 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 3,043 $696,235,000 $228,799
    5-6% 1,135 $231,915,000 $204,330
    3-4% 259 $65,625,000 $253,378
    6-7% 64 $7,290,000 $113,906
    7-8% 43 $5,085,000 $118,256
    Over 8% 11 $925,000 $84,091
    2.5-3% 4 $460,000 $115,000
    <2.5% 3 $15,000 $5,000

    During 2018, Acopia's average interest rate for loans was 4.85%, while their most frequently originated rate bucket for loans was 4-5%, with 3,043 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,954 $300,280,000 $153,675 $4,637 4.90%
    $200k-400k 1,889 $513,155,000 $271,654 $5,740 4.76%
    $100,000 or less 529 $29,735,000 $56,210 $3,359 5.27%
    $400k-600k 290 $131,140,000 $452,207 $6,700 4.74%
    $600k-1MM 46 $32,350,000 $703,261 $8,869 4.71%
    $1MM+ 2 $2,460,000 $1,230,000 $26,982 4.25%

    2018 saw Acopia place emphasis on $100k-200k loans with 1,954 originations, totaling $300,280,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,426 $270,710,000 $189,839 $5,164 4.82%
    $50k or less 1,206 $164,620,000 $136,501 $4,686 4.81%
    $75k-100k 805 $188,615,000 $234,304 $5,462 4.85%
    $100k-150k 717 $198,485,000 $276,827 $5,655 4.85%
    $150k-250k 420 $133,870,000 $318,738 $5,168 5.08%
    $250k+ 136 $52,820,000 $388,382 $5,740 5.14%

    Acopia lent most frequently to those with incomes in the $50k-75k range, with 1,426 originations. The second most popular income band? $50k or less, with 1,206 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 834 $172,500,000 $206,835 $4,786 4.91%
    20-30% 668 $139,950,000 $209,506 $4,520 4.79%
    50-60% 506 $109,400,000 $216,206 $6,843 4.72%
    40% 234 $56,080,000 $239,658 $5,255 5.07%
    39% 215 $43,895,000 $204,163 $4,838 5.04%
    42% 201 $41,515,000 $206,542 $5,371 4.94%
    41% 199 $42,895,000 $215,553 $5,260 4.89%
    43% 191 $42,505,000 $222,539 $5,317 4.84%
    44% 189 $41,505,000 $219,603 $5,323 4.85%
    38% 184 $38,360,000 $208,478 $5,023 4.95%
    37% 176 $37,030,000 $210,398 $4,900 4.94%
    49% 169 $36,835,000 $217,959 $4,972 4.87%
    <20% 163 $31,545,000 $193,528 $3,830 4.77%
    45% 158 $34,090,000 $215,759 $5,180 4.87%
    36% 155 $32,885,000 $212,161 $5,292 4.83%
    47% 144 $34,410,000 $238,958 $5,916 4.80%
    46% 132 $30,230,000 $229,015 $5,503 4.81%
    48% 116 $25,940,000 $223,621 $5,773 4.80%
    >60% 61 $13,955,000 $228,770 $5,502 4.79%

    Acopia lent most frequently to those with DTI ratios of 30-36%, with 834 originations. The next most common DTI ratio? 20-30%, with 668 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,734 $796,690,000 $213,361 $5,045 4.85%
    Black 559 $105,695,000 $189,079 $5,906 4.87%
    Asian 195 $54,195,000 $277,923 $5,678 4.92%
    Not provided 206 $48,180,000 $233,883 $5,370 4.94%
    American Indian 7 $2,065,000 $295,000 $8,086 4.96%
    Native Hawaiian or Islander 7 $1,545,000 $220,714 $6,498 4.73%
    Asian Indian 2 $750,000 $375,000 $7,652 4.69%

    Approval Rates

    Total approvals of all applications
    92.50%

    Acopia has an average approval rate.

    Pick Rate

    Approvals leading to origination
    70.08%

    Acopia has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,710 $1,009,120,000 $214,251

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 4,710 $1,009,120,000 $214,251

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 105 $16,565,000 $157,762 $3,006 5.52%
    40-60% 206 $43,790,000 $212,573 $4,219 4.67%
    60-80% 879 $224,655,000 $255,580 $4,522 4.89%
    80-100% 3,147 $684,285,000 $217,440 $5,447 4.80%
    Over 100% 125 $30,755,000 $246,040 $7,869 4.66%
    Under 20% 248 $9,070,000 $36,573 $1,515 6.35%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    AES/PHEAA Other type of mortgage Incorrect information on your report 1 100.0%