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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Atlanta, Nashville, Port St. Lucie, Greenville, and Asheville among others. We have data for 119 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 a high 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
2,616Origination Dollar Volume (All Markets)
$697,820,000Awards
ACOPIA - 2022
ACOPIA is a 2022 , due to their low .
For 2022, 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 |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 669 | $188,385,000 | $281,592 | $8,397 | 4.97% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 477 | $147,585,000 | $309,403 | $8,465 | 4.77% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 191 | $54,235,000 | $283,953 | $9,833 | 4.96% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 160 | $39,790,000 | $248,688 | $7,761 | 4.94% |
| ASHEVILLE, NC (FHA|USDA|VA) | 88 | $30,670,000 | $348,523 | $5,373 | 4.83% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 63 | $20,765,000 | $329,603 | $8,977 | 5.04% |
| Outside of Metro Areas | 100 | $20,690,000 | $206,900 | $6,889 | 4.86% |
| SPARTANBURG, SC (FHA|USDA|VA) | 79 | $19,515,000 | $247,025 | $8,323 | 4.69% |
| Greenwood, SC (FHA|USDA|VA) | 95 | $15,685,000 | $165,105 | $6,689 | 4.42% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 41 | $12,385,000 | $302,073 | $8,172 | 5.12% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 49 | $10,295,000 | $210,102 | $6,676 | 4.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 38 | $10,280,000 | $270,526 | $8,979 | 4.70% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 40 | $9,660,000 | $241,500 | $7,579 | 4.82% |
| GAINESVILLE, GA (FHA|USDA|VA) | 27 | $8,415,000 | $311,667 | $7,341 | 5.28% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 26 | $6,790,000 | $261,154 | $7,454 | 5.03% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 22 | $6,580,000 | $299,091 | $9,204 | 4.59% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 30 | $5,870,000 | $195,667 | $7,007 | 4.24% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 32 | $4,810,000 | $150,313 | $7,805 | 4.52% |
| Jefferson, GA (FHA|USDA|VA) | 17 | $4,705,000 | $276,765 | $6,523 | 4.79% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 16 | $4,000,000 | $250,000 | $8,229 | 4.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 17 | $3,965,000 | $233,235 | $8,437 | 4.56% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 9 | $3,435,000 | $381,667 | $11,597 | 4.69% |
| Lewisburg, TN (FHA|USDA|VA) | 13 | $3,005,000 | $231,154 | $6,926 | 4.05% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 12 | $2,720,000 | $226,667 | $6,513 | 5.26% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 8 | $2,540,000 | $317,500 | $9,048 | 5.17% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 13 | $2,155,000 | $165,769 | $8,734 | 4.41% |
| Cordele, GA (FHA|USDA|VA) | 17 | $2,145,000 | $126,176 | $7,110 | 4.73% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $8,979 | 5.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 9 | $1,945,000 | $216,111 | $6,627 | 5.39% |
| Shelbyville, TN (FHA|USDA|VA) | 9 | $1,895,000 | $210,556 | $7,839 | 4.18% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $1,770,000 | $221,250 | $7,025 | 5.14% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $8,060 | 4.35% |
| Paducah, KY-IL (FHA|USDA|VA) | 11 | $1,695,000 | $154,091 | $4,601 | 5.23% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 9 | $1,685,000 | $187,222 | $7,402 | 4.90% |
| McMinnville, TN (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $6,969 | 5.02% |
| Lawrenceburg, TN (FHA|USDA|VA) | 7 | $1,435,000 | $205,000 | $7,543 | 5.09% |
| SAVANNAH, GA (FHA|USDA|VA) | 7 | $1,405,000 | $200,714 | $11,915 | 5.23% |
| Okeechobee, FL (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $13,172 | 6.09% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $8,826 | 4.72% |
| Seneca, SC (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $5,426 | 5.80% |
| GADSDEN, AL (FHA|USDA|VA) | 13 | $1,225,000 | $94,231 | $3,760 | 5.33% |
| Marion, NC (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $6,425 | 4.78% |
| ROME, GA (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $7,852 | 4.27% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $5,844 | 3.68% |
| Forest City, NC (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $6,898 | 3.91% |
| Newberry, SC (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $10,695 | 5.06% |
| DALTON, GA (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $11,182 | 5.39% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $8,234 | 6.08% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $14,875 | 3.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $7,681 | 5.31% |
| Paris, TN (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $8,968 | 4.69% |
| Cornelia, GA (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $9,487 | 5.66% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $7,934 | 5.18% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $6,375 | 4.38% |
| Cookeville, TN (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $9,788 | 5.46% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $8,782 | 6.38% |
| Brevard, NC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,451 | 6.44% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $6,529 | 4.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $10,078 | 5.25% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $11,623 | 5.06% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $10,405 | 5.75% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,607 | 5.63% |
| ALBANY, GA (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $7,953 | 2.68% |
| Bainbridge, GA (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $8,851 | 3.84% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,047 | 4.50% |
| Cullman, AL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,918 | 6.06% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,587 | 4.31% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $9,244 | 4.88% |
| Summerville, GA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,421 | 6.13% |
| Toccoa, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $14,809 | 5.81% |
| Albertville, AL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $4,421 | 3.71% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $10,357 | 3.46% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,531 | 5.56% |
| Fort Payne, AL (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $6,598 | 4.09% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,781 | 4.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,237 | 4.13% |
| Union, SC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,421 | 3.50% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,331 | 3.50% |
| Mayfield, KY (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,959 | 6.06% |
| Americus, GA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,229 | 4.31% |
| Fitzgerald, GA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $8,540 | 6.67% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,282 | 3.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,106 | 6.63% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,877 | 3.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,137 | 3.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,118 | 5.38% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,592 | 4.25% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,006 | 6.88% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,510 | 7.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,064 | 7.50% |
| Boone, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,575 | 4.88% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,348 | 4.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,613 | 5.38% |
| Crossville, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,663 | 8.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,440 | 3.88% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $7,856 | 7.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,264 | 5.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $10,214 | 3.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,237 | 6.38% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,114 | 5.75% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,083 | 3.25% |
| Dayton, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.50% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,415 | 7.25% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $9,496 | 2.50% |
| OCALA, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,852 | 5.50% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,101 | 3.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,226 | 4.88% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,088 | 3.75% |
| Atmore, AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $8,209 | 8.75% |
| Waycross, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,335 | 5.62% |
| Dublin, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,612 | 5.88% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $6,980 | 3.19% |
| Athens, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,754 | 5.63% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,498 | 5.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,484 | 5.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,035 | 3.50% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,148 | 3.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,788 | 5.63% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,714 | 5.62% |
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 2022, Acopia's most frequently originated type of loan was Conventional, with 1,737 originations. Their 2nd most popular type was FHA, with 582 originations.
Loan Reason
For 2022, Acopia's most frequently cited loan purpose was Home Purchase, with 2,182 originations. The 2nd most popular reason was Cash Out Refi, with 266 originations.
Loan Duration/Length
For 2022, Acopia's most frequently cited loan duration was 30 Year, with 2,330 originations. The 2nd most popular length was 15 Year, with 191 originations.
Origination Fees/Closing Costs
Acopia's average total fees were $8,353, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 741 originations.
Interest Rates
During 2022, Acopia's average interest rate for loans was 4.94%, while their most frequently originated rate bucket for loans was 5-6%, with 898 originations.
Loan Sizing
2022 saw Acopia place emphasis on $200k-400k loans with 1,456 originations, totaling $416,410,000 in origination value.
Applicant Income
Acopia lent most frequently to those with incomes in the $50k-75k range, with 787 originations. The second most popular income band? $75k-100k, with 552 originations.
Applicant Debt to Income Ratio
Acopia lent most frequently to those with DTI ratios of 30-36%, with 386 originations. The next most common DTI ratio? 20-30%, with 313 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.47%
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 origination66.36%
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 | 2,616 | $697,820,000 | $266,751 |