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ACOPIA, LLC
Independent Mortgage Company|NASHVILLE, TN|Multi-Region
Loans Originated
1,524
Applications
2,133
Volume
$472 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.439%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,255
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,255)
Report Card
ACOPIA, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 22 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$310,164
Average Borrower Income
$118,966
Average Property Value
$368,930
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 753 | 49.4% | +0.336% | $4,041 |
FHA Loans | Sound | Strong | Mediocre | Strong | 596 | 39.1% | +0.677% | $4,729 |
VA Loans | Sound | Strong | Acceptable | Strong | 134 | 8.8% | -0.252% | $3,280 |
USDA Loans | Strong | Strong | N/A | Strong | 36 | 2.4% | +0.551% | $3,343 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 1,481 | 97.2% | +0.447% | $4,283 |
Refinance | Acceptable | Sound | Mediocre | Acceptable | 43 | 2.8% | +0.270% | $3,650 |
Geographic Coverage
Metro Areas
21
States Served
11
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARFLGAKYMSNCSCTNTXVA
Top Metro Areas by Place Specialization Score
1
Greenville, SCMSA
Volume: 149Mix: 9.78%
Place Specialization
Exceptional
2
Spartanburg, SC, SCMSA
Volume: 94Mix: 6.17%
Place Specialization
Strong
3
Port St. Lucie, FL, FLMSA
Volume: 118Mix: 7.74%
Place Specialization
Strong
4
Atlanta, GAMSA
Volume: 283Mix: 18.57%
Place Specialization
Strong
5
Nashville, TNMSA
Volume: 133Mix: 8.73%
Place Specialization
Strong
6
Anniston, ALMSA
Volume: 32Mix: 2.10%
Place Specialization
Strong
7
Marietta, GA, GAMSA
Volume: 62Mix: 4.07%
Place Specialization
Strong
8
Jackson, MS, MSMSA
Volume: 49Mix: 3.22%
Place Specialization
Strong
9
Memphis, TNMSA
Volume: 44Mix: 2.89%
Place Specialization
Sound
10
Birmingham, AL, ALMSA
Volume: 31Mix: 2.03%
Place Specialization
Sound
Showing 10 of 21 metro areas
Top States by Place Specialization Score
1
SCState
Volume: 326Mix: 21.39%
Place Specialization
Strong
2
GAState
Volume: 488Mix: 32.02%
Place Specialization
Strong
3
TNState
Volume: 168Mix: 11.02%
Place Specialization
Strong
4
ALState
Volume: 120Mix: 7.87%
Place Specialization
Strong
5
MSState
Volume: 99Mix: 6.50%
Place Specialization
Strong
6
FLState
Volume: 215Mix: 14.11%
Place Specialization
Strong
7
NCState
Volume: 82Mix: 5.38%
Place Specialization
Sound
8
KYState
Volume: 23Mix: 1.51%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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