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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Nashville, Atlanta, Port St. Lucie, Asheville, and Charlotte among others. We have data for 107 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) | 7.26% | 4/22/24 |
| 30 Year Conventional Purchase | 6.56% | 4/22/24 |
| 30 Year Conventional Refi | 6.75% | 4/22/24 |
| 30 Year Cash-out Refi | 7.07% | 4/22/24 |
| 30 Year FHA Purchase | 7.75% | 4/22/24 |
| 30 Year FHA Refi | 7.23% | 4/22/24 |
| 30 Year VA Purchase | 6.52% | 4/22/24 |
| 30 Year USDA Purchase | 6.96% | 4/22/24 |
| 30 Year USDA Refi | 6.69% | 4/22/24 |
| 15 Year Conventional Purchase | 5.64% | 4/22/24 |
| 15 Year Conventional Refi | 5.93% | 4/22/24 |
| 15 Year Cash-out Refi | 5.93% | 4/22/24 |
| 15 Year FHA Purchase | 5.68% | 4/22/24 |
| 15 Year FHA Refi | 5.68% | 4/22/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,990Origination Dollar Volume (All Markets)
$871,930,000Awards
ACOPIA - 2019
ACOPIA is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1,049 | $243,955,000 | $232,560 | $5,559 | 3.95% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1,026 | $239,700,000 | $233,626 | $5,350 | 4.20% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 275 | $57,115,000 | $207,691 | $5,909 | 4.27% |
| ASHEVILLE, NC (FHA|USDA|VA) | 131 | $34,945,000 | $266,756 | $3,438 | 4.22% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 125 | $29,545,000 | $236,360 | $5,266 | 4.07% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 118 | $22,690,000 | $192,288 | $4,985 | 4.36% |
| Outside of Metro Areas | 119 | $21,745,000 | $182,731 | $4,734 | 4.17% |
| GAINESVILLE, GA (FHA|USDA|VA) | 83 | $19,125,000 | $230,422 | $5,335 | 4.32% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 71 | $13,355,000 | $188,099 | $4,730 | 4.15% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 66 | $13,210,000 | $200,152 | $4,727 | 4.11% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 73 | $13,095,000 | $179,384 | $5,332 | 3.79% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 79 | $11,665,000 | $147,658 | $4,393 | 3.84% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 52 | $11,230,000 | $215,962 | $6,418 | 4.38% |
| Greenwood, SC (FHA|USDA|VA) | 55 | $9,285,000 | $168,818 | $5,174 | 4.18% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 36 | $8,360,000 | $232,222 | $5,836 | 4.30% |
| Jefferson, GA (FHA|USDA|VA) | 34 | $7,050,000 | $207,353 | $4,387 | 4.18% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 36 | $6,640,000 | $184,444 | $3,550 | 4.57% |
| Paducah, KY-IL (FHA|USDA|VA) | 46 | $6,260,000 | $136,087 | $3,865 | 4.27% |
| PANAMA CITY, FL (FHA|USDA|VA) | 25 | $5,695,000 | $227,800 | $6,899 | 4.32% |
| Lewisburg, TN (FHA|USDA|VA) | 22 | $4,650,000 | $211,364 | $6,069 | 4.06% |
| SPARTANBURG, SC (FHA|USDA|VA) | 22 | $4,530,000 | $205,909 | $4,902 | 4.24% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $4,385,000 | $337,308 | $5,785 | 4.27% |
| DOVER, DE (FHA|USDA|VA) | 15 | $4,045,000 | $269,667 | $7,567 | 4.87% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 19 | $3,835,000 | $201,842 | $6,332 | 4.30% |
| GADSDEN, AL (FHA|USDA|VA) | 26 | $3,350,000 | $128,846 | $4,862 | 4.02% |
| Shelbyville, TN (FHA|USDA|VA) | 20 | $3,320,000 | $166,000 | $6,083 | 3.73% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 11 | $3,315,000 | $301,364 | $4,541 | 4.55% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 19 | $3,205,000 | $168,684 | $4,647 | 4.50% |
| Seneca, SC (FHA|USDA|VA) | 15 | $2,985,000 | $199,000 | $3,716 | 4.48% |
| LOUISVILLE, KY (FHA|USDA|VA) | 13 | $2,795,000 | $215,000 | $3,181 | 4.99% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 13 | $2,785,000 | $214,231 | $5,871 | 5.11% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 14 | $2,780,000 | $198,571 | $5,594 | 4.26% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $2,510,000 | $209,167 | $5,337 | 3.96% |
| Fort Payne, AL (FHA|USDA|VA) | 20 | $2,310,000 | $115,500 | $4,252 | 4.39% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 11 | $2,105,000 | $191,364 | $4,180 | 4.64% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $4,888 | 3.98% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $3,953 | 4.64% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 9 | $1,655,000 | $183,889 | $3,970 | 4.94% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $8,529 | 4.54% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 8 | $1,460,000 | $182,500 | $3,627 | 4.41% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 9 | $1,455,000 | $161,667 | $5,926 | 4.06% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $3,572 | 3.65% |
| Cookeville, TN (FHA|USDA|VA) | 7 | $1,335,000 | $190,714 | $4,957 | 3.61% |
| Cornelia, GA (FHA|USDA|VA) | 9 | $1,265,000 | $140,556 | $3,420 | 4.64% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $6,068 | 4.81% |
| Forest City, NC (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $4,674 | 4.44% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $5,948 | 4.23% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $4,241 | 4.15% |
| GAINESVILLE, FL (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $7,423 | 3.98% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $5,949 | 5.32% |
| WILMINGTON, NC (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $3,778 | 3.43% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $8,081 | 4.66% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $4,593 | 4.30% |
| KNOXVILLE, TN (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $4,373 | 4.60% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $4,196 | 4.06% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $7,383 | 4.38% |
| McMinnville, TN (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $5,197 | 4.45% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $4,022 | 4.09% |
| Cordele, GA (FHA|USDA|VA) | 6 | $740,000 | $123,333 | $5,413 | 4.42% |
| Lawrenceburg, TN (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $4,500 | 4.55% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $6,775 | 4.31% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $4,840 | 4.83% |
| Bainbridge, GA (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $5,562 | 4.19% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,715 | 3.46% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $4,686 | 4.63% |
| Lumberton, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,145 | 3.81% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,208 | 4.56% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,654 | 4.71% |
| OCALA, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,197 | 4.81% |
| DALTON, GA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,699 | 4.21% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,435 | 4.19% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,842 | 4.69% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $5,575 | 4.38% |
| Scottsboro, AL (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $4,724 | 4.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,428 | 3.88% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $7,399 | 3.33% |
| LaGrange, GA-AL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $4,529 | 4.58% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,340 | 3.88% |
| Wilson, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,133 | 3.69% |
| Mayfield, KY (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $3,579 | 4.42% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,863 | 4.13% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,323 | 4.38% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,885 | 5.06% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,146 | 5.06% |
| Brevard, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,231 | 4.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,248 | 3.88% |
| Marion, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,437 | 3.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,361 | 4.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,026 | 5.13% |
| Americus, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,009 | 3.63% |
| Newberry, SC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,809 | 4.94% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,396 | 4.44% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,508 | 4.81% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,681 | 3.88% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,367 | 4.88% |
| Athens, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $325 | 4.13% |
| Shelby, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,628 | 3.88% |
| Albertville, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,778 | 5.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,787 | 4.00% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,931 | 3.63% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,532 | 5.13% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,987 | 3.50% |
| Sanford, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,942 | 4.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $2,255 | 5.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,410 | 5.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,808 | 4.13% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,952 | 5.00% |
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 2019, Acopia's most frequently originated type of loan was Conventional, with 2,293 originations. Their 2nd most popular type was FHA, with 1,095 originations.
Loan Reason
For 2019, Acopia's most frequently cited loan purpose was Home Purchase, with 2,940 originations. The 2nd most popular reason was Refi, with 550 originations.
Loan Duration/Length
For 2019, Acopia's most frequently cited loan duration was 30 Year, with 3,652 originations. The 2nd most popular length was 15 Year, with 185 originations.
Origination Fees/Closing Costs
Acopia's average total fees were $5,339, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,721 originations.
Interest Rates
During 2019, Acopia's average interest rate for loans was 4.21%, while their most frequently originated rate bucket for loans was 4-5%, with 1,839 originations.
Loan Sizing
2019 saw Acopia place emphasis on $200k-400k loans with 1,861 originations, totaling $498,395,000 in origination value.
Applicant Income
Acopia lent most frequently to those with incomes in the $50k-75k range, with 1,249 originations. The second most popular income band? $50k or less, with 1,045 originations.
Applicant Debt to Income Ratio
Acopia lent most frequently to those with DTI ratios of 30-36%, with 682 originations. The next most common DTI ratio? 20-30%, with 634 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.52%
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 origination73.91%
Acopia has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,990 | $871,930,000 | $218,529 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 14 | $1,810,000 | $129,286 |
| Single Family (1-4 Units):Site-Built | 3,976 | $870,120,000 | $218,843 |