We analyzed every closed loan from Acopia — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 21 mkts
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+43.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 22 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 753 | 49.4% | +0.336%Above | $4,041Fees | ||||
FHA Loans | 596 | 39.1% | +0.677%Above | $4,729Fees | ||||
VA Loans | 134 | 8.8% | -0.252%Below | $3,280Fees | ||||
USDA Loans | — | 36 | 2.4% | +0.551%Above | $3,343Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume753
Mix49.4%
Spread
+0.336%Above
Fees
$4,041Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume596
Mix39.1%
Spread
+0.677%Above
Fees
$4,729Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume134
Mix8.8%
Spread
-0.252%Below
Fees
$3,280Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume36
Mix2.4%
Spread
+0.551%Above
Fees
$3,343Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,481 | 97.2% | +0.447%Above | $4,283Fees | ||||
Refinance | 43 | 2.8% | +0.270%Above | $3,650Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,481
Mix97.2%
Spread
+0.447%Above
Fees
$4,283Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume43
Mix2.8%
Spread
+0.270%Above
Fees
$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
21
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
11South11
ALARFLGAKYMSNCSCTNTXVA
Top Metro Areas by Place Specialization Score
Volume 149Mix 9.78% of portfolio
81/100
Exceptional
Volume 94Mix 6.17% of portfolio
80/100
Strong
Volume 118Mix 7.74% of portfolio
79/100
Strong
Volume 283Mix 18.57% of portfolio
78/100
Strong
Volume 133Mix 8.73% of portfolio
71/100
Strong
Volume 32Mix 2.10% of portfolio
71/100
Strong
Volume 62Mix 4.07% of portfolio
64/100
Strong
Volume 49Mix 3.22% of portfolio
63/100
Strong
Volume 44Mix 2.89% of portfolio
58/100
Sound
Volume 31Mix 2.03% of portfolio
56/100
SoundShowing 10 of 21 metro areas
Top States by Place Specialization Score
1
South CarolinaState
Volume 326Mix 21.39% of portfolio
80/100
Strong2
GeorgiaState
Volume 488Mix 32.02% of portfolio
79/100
Strong3
TennesseeState
Volume 168Mix 11.02% of portfolio
68/100
Strong4
AlabamaState
Volume 120Mix 7.87% of portfolio
68/100
Strong5
MississippiState
Volume 99Mix 6.50% of portfolio
66/100
Strong6
FloridaState
Volume 215Mix 14.11% of portfolio
64/100
Strong7
North CarolinaState
Volume 82Mix 5.38% of portfolio
56/100
Sound8
KentuckyState
Volume 23Mix 1.51% of portfolio
47/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.