Acopia, LLC Mortgage Lending & HMDA Data, 2008
In 2008, Acopia, LLC of Goodlettsville, TN reported 1,335 mortgage applications totaling $247.1 million. The average application was for $185,126, and applicants reported an average income of $78,000. 30% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (396), Atlanta-Sandy Springs-Marietta, GA (85) and Denver-Aurora, CO (74) (applications in parentheses).
| Mortgage Company & Address | Acopia, LLC 306 Northcreek Boulevard Suite 100 Goodlettsville, TN 37072 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 1,335 |
| Total Mortgage Loan Application Amount | $247,144,000 |
| Average Mortgage Loan Application Amount | $185,126 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $1,944,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Acopia, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nashville-Davidson--Murfreesboro--Franklin, TN | 396 | $ 71,973,000 | $ 181,750 | $ 81,000 |
| Atlanta-Sandy Springs-Marietta, GA | 85 | $ 15,161,000 | $ 178,364 | $ 66,000 |
| Denver-Aurora, CO | 74 | $ 16,502,000 | $ 223,000 | $ 104,000 |
| Charlotte-Gastonia-Concord, NC-SC | 70 | $ 14,474,000 | $ 206,771 | $ 72,171 |
| Memphis, TN-MS-AR | 43 | $ 6,100,000 | $ 141,860 | $ 68,651 |
| Knoxville, TN | 41 | $ 6,741,000 | $ 164,414 | $ 64,000 |
| Austin-Round Rock, TX | 36 | $ 7,018,000 | $ 194,944 | $ 89,000 |
| Chattanooga, TN-GA | 36 | $ 6,770,000 | $ 188,055 | $ 66,222 |
| Orlando-Kissimmee, FL | 30 | $ 6,917,000 | $ 230,566 | $ 94,000 |
| Charleston-North Charleston-Summerville, SC | 27 | $ 5,828,000 | $ 215,851 | $ 84,000 |
| Clarksville, TN-KY | 26 | $ 3,182,000 | $ 122,384 | $ 49,846 |
| Dallas-Plano-Irving, TX | 25 | $ 4,942,000 | $ 197,680 | $ 107,000 |
| Houston-Sugar Land-Baytown, TX | 18 | $ 2,362,000 | $ 131,222 | $ 74,000 |
| Raleigh-Cary, NC | 17 | $ 3,467,000 | $ 203,941 | $ 83,000 |
| Greenville-Mauldin-Easley, SC | 10 | $ 1,868,000 | $ 186,800 | $ 97,000 |
| Morristown, TN | 10 | $ 1,048,000 | $ 104,800 | $ 76,000 |
| San Antonio, TX | 10 | $ 1,754,000 | $ 175,400 | $ 84,000 |
| Fort Worth-Arlington, TX | 9 | $ 2,325,000 | $ 258,333 | $ 96,000 |
| Springfield, MO | 9 | $ 1,138,000 | $ 126,444 | $ 50,000 |
| Birmingham-Hoover, AL | 8 | $ 1,139,000 | $ 142,375 | $ 63,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,217,000 | $ 152,125 | $ 52,000 |
| Wilmington, NC | 8 | $ 2,015,000 | $ 251,875 | $ 91,000 |
| Louisville-Jefferson County, KY-IN | 7 | $ 1,514,000 | $ 216,285 | $ 72,857 |
| New Orleans-Metairie-Kenner, LA | 7 | $ 1,254,000 | $ 179,142 | $ 69,000 |
| Jacksonville, FL | 6 | $ 997,000 | $ 166,166 | $ 79,000 |
| Baton Rouge, LA | 5 | $ 782,000 | $ 156,400 | $ 50,000 |
| Bowling Green, KY | 5 | $ 856,000 | $ 171,200 | $ 67,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 532,000 | $ 106,400 | $ 46,000 |
| Durham, NC | 5 | $ 852,000 | $ 170,400 | $ 82,000 |
| Boulder, CO | 4 | $ 780,000 | $ 195,000 | $ 118,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 960,000 | $ 240,000 | $ 214,000 |
| Cleveland, TN | 4 | $ 593,000 | $ 148,250 | $ 62,000 |
| Columbia, SC | 4 | $ 823,000 | $ 205,750 | $ 105,000 |
| Gulfport-Biloxi, MS | 4 | $ 792,000 | $ 198,000 | $ 91,000 |
| Huntsville, AL | 4 | $ 581,000 | $ 145,250 | $ 49,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 748,000 | $ 187,000 | $ 46,000 |
| Asheville, NC | 3 | $ 565,000 | $ 188,333 | $ 36,000 |
| Colorado Springs, CO | 3 | $ 849,000 | $ 283,000 | $ 81,000 |
| Greensboro-High Point, NC | 3 | $ 399,000 | $ 133,000 | $ 53,000 |
| Jackson, TN | 3 | $ 397,000 | $ 132,333 | $ 71,000 |
| Jacksonville, NC | 3 | $ 646,000 | $ 215,333 | $ 94,000 |
| Lake Charles, LA | 3 | $ 298,000 | $ 99,333 | $ 74,000 |
| Mobile, AL | 3 | $ 313,000 | $ 104,333 | $ 48,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 3 | $ 1,105,000 | $ 368,333 | $ 57,000 |
| Valdosta, GA | 3 | $ 605,000 | $ 201,666 | $ 110,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 369,000 | $ 123,000 | $ 137,000 |
| Athens-Clarke County, GA | 2 | $ 268,000 | $ 134,000 | $ 51,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 309,000 | $ 154,500 | $ 61,500 |
| Bradenton-Sarasota-Venice, FL | 2 | $ 269,000 | $ 134,500 | $ 40,000 |
| Burlington, NC | 2 | $ 290,000 | $ 145,000 | $ 114,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 227,000 | $ 113,500 | $ 77,000 |
| Gainesville, GA | 2 | $ 516,000 | $ 258,000 | $ 119,000 |
| Jackson, MS | 2 | $ 282,000 | $ 141,000 | $ 42,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 358,000 | $ 179,000 | $ 92,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 406,000 | $ 203,000 | $ 68,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 353,000 | $ 176,500 | $ 55,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 248,000 | $ 124,000 | $ 57,000 |
| Savannah, GA | 2 | $ 681,000 | $ 340,500 | $ 71,000 |
| Shreveport-Bossier City, LA | 2 | $ 207,000 | $ 103,500 | $ 40,000 |
| Waco, TX | 2 | $ 446,000 | $ 223,000 | $ 90,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 356,000 | $ 178,000 | $ 111,000 |
| Winston-Salem, NC | 2 | $ 236,000 | $ 118,000 | $ 57,000 |
| Albany, GA | 1 | $ 417,000 | $ 417,000 | $ 149,000 |
| Albuquerque, NM | 1 | $ 208,000 | $ 208,000 | $ 14,000 |
| Anderson, SC | 1 | $ 64,000 | $ 64,000 | $ 26,000 |
| Auburn-Opelika, AL | 1 | $ 319,000 | $ 319,000 | $ 107,000 |
| Beaumont-Port Arthur, TX | 1 | $ 87,000 | $ 87,000 | $ 66,000 |
| College Station-Bryan, TX | 1 | $ 182,000 | $ 182,000 | $ 68,000 |
| Dalton, GA | 1 | $ 128,000 | $ 128,000 | $ 61,000 |
| El Paso, TX | 1 | $ 118,000 | $ 118,000 | $ 56,000 |
| Elizabethtown, KY | 1 | $ 283,000 | $ 283,000 | $ 103,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 67,000 | $ 67,000 | $ 43,000 |
| Goldsboro, NC | 1 | $ 212,000 | $ 212,000 | $ 111,000 |
| Greeley, CO | 1 | $ 250,000 | $ 250,000 | $ 86,000 |
| Hattiesburg, MS | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 161,000 | $ 161,000 | $ 45,000 |
| Hot Springs, AR | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Lafayette, LA | 1 | $ 90,000 | $ 90,000 | $ 77,000 |
| Lakeland-Winter Haven, FL | 1 | $ 161,000 | $ 161,000 | $ 65,000 |
| Macon, GA | 1 | $ 417,000 | $ 417,000 | $ 167,000 |
| Ocala, FL | 1 | $ 70,000 | $ 70,000 | $ 24,000 |
| Pascagoula, MS | 1 | $ 149,000 | $ 149,000 | $ 65,000 |
| Pueblo, CO | 1 | $ 323,000 | $ 323,000 | $ 68,000 |
| Spartanburg, SC | 1 | $ 126,000 | $ 126,000 | $ 15,000 |
| St. Louis, MO-IL | 1 | $ 119,000 | $ 119,000 | $ 38,000 |
| Tallahassee, FL | 1 | $ 106,000 | $ 106,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Acopia, LLC in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 845 | $156,417,000 | $185,000 | $2,000,000 | $78,000 | $1,944,000 |
| Home Purchase | 490 | $90,727,000 | $185,000 | $975,000 | $78,000 | $1,000,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 900 | $172,919,000 | $192,000 | $2,000,000 | $81,000 | $1,260,000 |
| Black or African American | 181 | $27,157,000 | $150,000 | $417,000 | $58,000 | $192,000 |
| Not Provided | 140 | $26,175,000 | $186,000 | $417,000 | $88,000 | $1,944,000 |
| Hispanic | 80 | $13,346,000 | $166,000 | $757,000 | $74,000 | $428,000 |
| Asian | 29 | $5,858,000 | $202,000 | $417,000 | $76,000 | $221,000 |
| Not applicable | 4 | $1,459,000 | $364,000 | $554,000 | $109,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $230,000 | $230,000 | $230,000 | $144,000 | $144,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 901 | $178,464,000 | $198,000 | $2,000,000 | $88,000 | $1,944,000 |
| FHA-insured (Federal Housing Administration) | 404 | $63,115,000 | $156,000 | $382,000 | $57,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,019,000 | $188,000 | $498,000 | $68,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,546,000 | $181,000 | $975,000 | $86,000 | $643,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 491 | $92,578,000 | $188,000 | $1,360,000 | $72,000 | $1,260,000 |
| Loan Originated | 404 | $75,896,000 | $187,000 | $417,000 | $87,000 | $1,944,000 |
| Application Denied By Financial Institution | 327 | $59,394,000 | $181,000 | $2,000,000 | $80,000 | $643,000 |
| Application Withdrawn By Applicant | 113 | $19,276,000 | $170,000 | $757,000 | $64,000 | $197,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Acopia, LLC's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Acopia, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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