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 score and performance metrics.

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 an overall pricing score of 18.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ACOPIA, LLC?

ACOPIA, LLC is a Independent Mortgage Company headquartered in NASHVILLE, TN.

Unclaimed

Acopia, LLC

Independent Mortgage Company•NASHVILLE, TN•Direct to Consumer

We analyzed every closed loan from Acopia — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · VA · USDA

Place

Sound

Multi-Region · 21 mkts

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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)

Explore another lender or local market

Report Card

Acopia, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +43.9 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
USDA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional22 markets

Loan Product Performance

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%Above	$4,041Fees
FHA Loans	Sound	Strong	Mediocre	Strong	596	39.1%	+0.677%Above	$4,729Fees
VA Loans	Sound	Strong	Acceptable	Strong	134	8.8%	-0.252%Below	$3,280Fees
USDA Loans	Strong	Strong	—	Strong	36	2.4%	+0.551%Above	$3,343Fees

Loan Purpose Performance

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%Above	$4,283Fees
Refinance	Acceptable	Sound	Mediocre	Acceptable	43	2.8%	+0.270%Above	$3,650Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,524

Applications

2,133

Volume

$472 million

Pricing & Closing

Avg Rate Spread

+0.439%

vs. market APOR

Avg Net Fees

$4,255

Origination − Credits

Pullthrough Rate

71.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$310,164

Avg Borrower Income

$118,966

Avg Property Value

$368,930

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARFLGAKYMSNCSCTNTXVA

Top Metro Areas by Place Specialization Score

Greenville, SCMSA

Volume: 149Mix: 9.78%of portfolio

Place

Exceptional

Spartanburg, SC, SCMSA

Volume: 94Mix: 6.17%of portfolio

Place

Strong

Port St. Lucie, FL, FLMSA

Volume: 118Mix: 7.74%of portfolio

Place

Strong

Atlanta, GAMSA

Volume: 283Mix: 18.57%of portfolio

Place

Strong

Nashville, TNMSA

Volume: 133Mix: 8.73%of portfolio

Place

Strong

Anniston, ALMSA

Volume: 32Mix: 2.10%of portfolio

Place

Strong

Marietta, GA, GAMSA

Volume: 62Mix: 4.07%of portfolio

Place

Strong

Jackson, MS, MSMSA

Volume: 49Mix: 3.22%of portfolio

Place

Strong

Memphis, TNMSA

Volume: 44Mix: 2.89%of portfolio

Place

Sound

Birmingham, AL, ALMSA

Volume: 31Mix: 2.03%of portfolio

Place

Sound

Showing 10 of 21 metro areas

Top States by Place Specialization Score

SCState

Volume: 326Mix: 21.39%of portfolio

Place

Strong

GAState

Volume: 488Mix: 32.02%of portfolio

Place

Strong

TNState

Volume: 168Mix: 11.02%of portfolio

Place

Strong

ALState

Volume: 120Mix: 7.87%of portfolio

Place

Strong

MSState

Volume: 99Mix: 6.50%of portfolio

Place

Strong

FLState

Volume: 215Mix: 14.11%of portfolio

Place

Strong

NCState

Volume: 82Mix: 5.38%of portfolio

Place

Sound

KYState

Volume: 23Mix: 1.51%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.