# ACOPIA, LLC

> **Canonical URL:** https://saferate.com/lenders/acopia


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ACOPIA, LLC is a independent mortgage company, headquartered in NASHVILLE, TN, serving borrowers across 11 states, with 1,524 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300L1DBFIJZI8LA40
- **Headquarters:** NASHVILLE, TN
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AL, AR, FL, GA, KY, MS, NC, SC, TN, TX, VA
- **Markets (MSAs):** 22
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.439%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,255
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,524
- **Dollar Volume:** $473 million
- **Applications Received:** 2,133
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $310,164
- **Average Borrower Income:** $118,966
- **Average Property Value:** $368,930

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 753 | +0.336% | $4,041 | Strong 😀 |
| FHA | 80/100 | 596 | +0.677% | $4,729 | Strong 😀 |
| VA | 71/100 | 134 | -0.252% | $3,280 | Strong 😀 |
| USDA | 78/100 | 36 | +0.551% | $3,343 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 719 loans, Score: 65/100 (Strong)
- Refinance: 34 loans, Score: 40/100 (Sound)

**FHA:**
- Purchase: 588 loans, Score: 80/100 (Strong)

**VA:**
- Purchase: 134 loans, Score: 72/100 (Strong)

**USDA:**
- Purchase: 36 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 75/100 | 1,481 | $460M | +0.447% | Strong 😀 |
| Refinance | 41/100 | 43 | $12M | +0.270% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 488 | 0.35% | 79/100 |
| SC | 326 | 0.41% | 80/100 |
| FL | 215 | 0.07% | 64/100 |
| TN | 168 | 0.18% | 68/100 |
| AL | 120 | 0.20% | 68/100 |
| MS | 99 | 0.40% | 66/100 |
| NC | 82 | 0.06% | 56/100 |
| KY | 23 | 0.05% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 283 | 78/100 |
| Non |  | 220 | 61/100 |
| Greenville | SC | 149 | 81/100 |
| Nashville | TN | 133 | 71/100 |
| Port St. Lucie, FL | FL | 118 | 79/100 |
| Spartanburg, SC | SC | 94 | 80/100 |
| Marietta, GA | GA | 62 | 64/100 |
| Jackson, MS | MS | 49 | 63/100 |
| Memphis, TN |  | 44 | 58/100 |
| Orlando | FL | 42 | 55/100 |
| Anniston | AL | 32 | 71/100 |
| Birmingham, AL | AL | 31 | 56/100 |
| Gainesville, GA | GA | 16 | 51/100 |
| Fayetteville, NC | NC | 15 | 47/100 |
| Sebastian | FL | 14 | 51/100 |

## Where This Lender Ranks

ACOPIA, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Memphis, TN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#7** in Nashville for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#8** in Nashville for USDA Loans
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/usda-loans)
- 🏆 **#9** in Anniston Mortgage Companies
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in Anniston for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Jackson, MS for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Memphis, TN for USDA Loans
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/usda-loans)
- 🏆 **#12** in Gadsden, AL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Anniston
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders)
- 🏆 **#13** in Anniston for Conventional Loans
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Anniston for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Gadsden, AL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Atlanta for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#17** in Atlanta for USDA Loans
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/usda-loans)
- 🏆 **#17** in Anniston for FHA Loans
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders/fha-loans)
- 🏆 **#17** in Gadsden, AL for FHA Loans
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Port St. Lucie, FL for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#19** in Jackson, MS for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#19** in Gadsden, AL for Conventional Loans
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Greenville for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does ACOPIA, LLC offer?

ACOPIA, LLC offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ACOPIA, LLC offer mortgages?

ACOPIA, LLC offers mortgages in 11 states: AL, AR, FL, GA, KY, MS, NC, SC, TN, TX, VA.

### How competitive are ACOPIA, LLC's mortgage rates?

ACOPIA, LLC has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.439% above market average.

### What type of lender is ACOPIA, LLC?

ACOPIA, LLC is a non-depository lender that specializes in mortgage origination, headquartered in NASHVILLE, TN.

### What is ACOPIA, LLC's loan approval success rate?

ACOPIA, LLC has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/acopia

### How to Cite

> "ACOPIA, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/acopia

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