Acopia, LLC Mortgage Lending & HMDA Data, 2013
In 2013, Acopia, LLC of Goodlettsville, TN reported 8,857 mortgage applications totaling $1.6 billion, down 3% from 2012. The average application was for $176,968, and applicants reported an average income of $75,032. 65% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,439), Atlanta-Sandy Springs-Marietta, GA (940) and Denver-Aurora-Broomfield, CO (602) (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 | 8,857 |
| Total Mortgage Loan Application Amount | $1,567,408,000 |
| Average Mortgage Loan Application Amount | $176,968 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $75,032 |
| Highest Applicant Income | $1,650,000 |
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Act (HMDA) records Acopia, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,439 | $ 433,062,000 | $ 177,557 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 940 | $ 162,062,000 | $ 172,406 | $ 76,000 |
| Denver-Aurora-Broomfield, CO | 602 | $ 146,513,000 | $ 243,377 | $ 94,000 |
| Asheville, NC | 380 | $ 95,273,000 | $ 250,718 | $ 109,000 |
| Louisville/Jefferson County, KY-IN | 315 | $ 47,818,000 | $ 151,803 | $ 61,904 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 211 | $ 40,100,000 | $ 190,047 | $ 73,412 |
| Knoxville, TN | 194 | $ 31,441,000 | $ 162,067 | $ 64,000 |
| Clarksville, TN-KY | 164 | $ 26,066,000 | $ 158,939 | $ 81,085 |
| Jacksonville, FL | 130 | $ 22,193,000 | $ 170,715 | $ 79,000 |
| Raleigh-Cary, NC | 129 | $ 23,808,000 | $ 184,558 | $ 78,000 |
| Kansas City, MO-KS | 128 | $ 20,821,000 | $ 162,664 | $ 70,140 |
| St. Louis, MO-IL | 121 | $ 20,249,000 | $ 167,347 | $ 78,000 |
| Greenville-Mauldin-Easley, SC | 110 | $ 17,825,000 | $ 162,045 | $ 78,000 |
| Houston-Sugar Land-Baytown, TX | 108 | $ 17,751,000 | $ 164,361 | $ 96,000 |
| Dallas-Plano-Irving, TX | 101 | $ 19,007,000 | $ 188,188 | $ 93,000 |
| Memphis, TN-MS-AR | 77 | $ 13,528,000 | $ 175,688 | $ 89,558 |
| Bowling Green, KY | 71 | $ 11,302,000 | $ 159,183 | $ 72,000 |
| San Antonio-New Braunfels, TX | 66 | $ 11,523,000 | $ 174,590 | $ 88,000 |
| Birmingham-Hoover, AL | 63 | $ 10,594,000 | $ 168,158 | $ 68,000 |
| Spartanburg, SC | 59 | $ 8,649,000 | $ 146,593 | $ 59,000 |
| Columbia, SC | 55 | $ 8,139,000 | $ 147,981 | $ 56,000 |
| Chattanooga, TN-GA | 54 | $ 9,026,000 | $ 167,148 | $ 54,796 |
| Huntsville, AL | 54 | $ 8,656,000 | $ 160,296 | $ 65,000 |
| Fort Worth-Arlington, TX | 52 | $ 7,943,000 | $ 152,750 | $ 64,000 |
| Charleston-North Charleston-Summerville, SC | 45 | $ 8,552,000 | $ 190,044 | $ 69,000 |
| Augusta-Richmond County, GA-SC | 41 | $ 6,180,000 | $ 150,731 | $ 70,731 |
| Gainesville, GA | 38 | $ 6,280,000 | $ 165,263 | $ 76,000 |
| Alexandria, LA | 36 | $ 4,980,000 | $ 138,333 | $ 57,000 |
| Austin-Round Rock-San Marcos, TX | 35 | $ 6,800,000 | $ 194,285 | $ 79,000 |
| Cleveland-Elyria-Mentor, OH | 35 | $ 5,555,000 | $ 158,714 | $ 73,000 |
| Morristown, TN | 32 | $ 5,704,000 | $ 178,250 | $ 67,000 |
| Durham-Chapel Hill, NC | 28 | $ 6,533,000 | $ 233,321 | $ 96,000 |
| Baton Rouge, LA | 27 | $ 4,912,000 | $ 181,925 | $ 71,000 |
| New Orleans-Metairie-Kenner, LA | 25 | $ 5,078,000 | $ 203,120 | $ 94,000 |
| Greeley, CO | 24 | $ 5,328,000 | $ 222,000 | $ 91,000 |
| Colorado Springs, CO | 23 | $ 4,258,000 | $ 185,130 | $ 58,000 |
| Fort Collins-Loveland, CO | 23 | $ 4,896,000 | $ 212,869 | $ 72,000 |
| Shreveport-Bossier City, LA | 23 | $ 4,211,000 | $ 183,086 | $ 90,000 |
| Jackson, MS | 22 | $ 4,296,000 | $ 195,272 | $ 72,000 |
| Lexington-Fayette, KY | 21 | $ 3,270,000 | $ 155,714 | $ 68,000 |
| Boulder, CO | 20 | $ 4,754,000 | $ 237,700 | $ 84,000 |
| Wilmington, NC | 20 | $ 4,309,000 | $ 215,450 | $ 87,000 |
| Greensboro-High Point, NC | 18 | $ 3,493,000 | $ 194,055 | $ 93,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 17 | $ 2,905,000 | $ 170,882 | $ 73,000 |
| Savannah, GA | 17 | $ 2,844,000 | $ 167,294 | $ 74,000 |
| Decatur, AL | 15 | $ 2,020,000 | $ 134,666 | $ 48,000 |
| Hickory-Lenoir-Morganton, NC | 15 | $ 2,903,000 | $ 193,533 | $ 72,000 |
| Akron, OH | 13 | $ 1,649,000 | $ 126,846 | $ 64,000 |
| Jacksonville, NC | 13 | $ 2,457,000 | $ 189,000 | $ 26,000 |
| Little Rock-North Little Rock-Conway, AR | 13 | $ 2,375,000 | $ 182,692 | $ 98,000 |
| Valdosta, GA | 13 | $ 1,719,000 | $ 132,230 | $ 55,000 |
| Killeen-Temple-Fort Hood, TX | 12 | $ 2,015,000 | $ 167,916 | $ 55,000 |
| Wichita, KS | 12 | $ 1,589,000 | $ 132,416 | $ 45,000 |
| Winston-Salem, NC | 12 | $ 2,034,000 | $ 169,500 | $ 81,000 |
| Anderson, SC | 11 | $ 1,494,000 | $ 135,818 | $ 42,000 |
| Jackson, TN | 11 | $ 1,368,000 | $ 124,363 | $ 60,000 |
| Macon, GA | 11 | $ 1,279,000 | $ 116,272 | $ 58,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 11 | $ 1,951,000 | $ 177,363 | $ 67,000 |
| Albany, GA | 10 | $ 1,298,000 | $ 129,800 | $ 43,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 2,119,000 | $ 211,900 | $ 93,000 |
| Montgomery, AL | 9 | $ 1,147,000 | $ 127,444 | $ 55,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 1,867,000 | $ 207,444 | $ 104,000 |
| Abilene, TX | 8 | $ 911,000 | $ 113,875 | $ 47,000 |
| Tuscaloosa, AL | 8 | $ 1,175,000 | $ 146,875 | $ 50,000 |
| Canton-Massillon, OH | 7 | $ 762,000 | $ 108,857 | $ 36,000 |
| Fayetteville, NC | 7 | $ 976,000 | $ 139,428 | $ 67,000 |
| Florence, SC | 7 | $ 1,409,000 | $ 201,285 | $ 48,000 |
| Kingsport-Bristol-Bristol, TN-VA | 7 | $ 1,537,000 | $ 219,571 | $ 72,000 |
| Lincoln, NE | 7 | $ 1,394,000 | $ 199,142 | $ 93,000 |
| Pueblo, CO | 7 | $ 1,005,000 | $ 143,571 | $ 35,000 |
| Cleveland, TN | 6 | $ 752,000 | $ 125,333 | $ 27,000 |
| Evansville, IN-KY | 6 | $ 849,000 | $ 141,500 | $ 51,000 |
| Grand Junction, CO | 6 | $ 913,000 | $ 152,166 | $ 64,000 |
| Johnson City, TN | 6 | $ 751,000 | $ 125,166 | $ 36,000 |
| Texarkana, Tx-Texarkana, AR | 6 | $ 888,000 | $ 148,000 | $ 58,000 |
| Warner Robins, GA | 6 | $ 1,124,000 | $ 187,333 | $ 82,000 |
| Cape Girardeau-Jackson, MO-IL | 5 | $ 629,000 | $ 125,800 | $ 55,000 |
| Elizabethtown, KY | 5 | $ 898,000 | $ 179,600 | $ 58,000 |
| Florence-Muscle Shoals, AL | 5 | $ 704,000 | $ 140,800 | $ 45,000 |
| Goldsboro, NC | 5 | $ 759,000 | $ 151,800 | $ 27,000 |
| Indianapolis-Carmel, IN | 5 | $ 631,000 | $ 126,200 | $ 62,000 |
| Springfield, MO | 5 | $ 590,000 | $ 118,000 | $ 72,000 |
| Auburn-Opelika, AL | 4 | $ 950,000 | $ 237,500 | $ 64,000 |
| Burlington, NC | 4 | $ 774,000 | $ 193,500 | $ 92,000 |
| Gadsden, AL | 4 | $ 308,000 | $ 77,000 | $ 44,000 |
| Owensboro, KY | 4 | $ 603,000 | $ 150,750 | $ 40,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,237,000 | $ 309,250 | $ 148,000 |
| Waco, TX | 4 | $ 684,000 | $ 171,000 | $ 82,000 |
| Athens-Clarke County, GA | 3 | $ 662,000 | $ 220,666 | $ 86,000 |
| Brunswick, GA | 3 | $ 259,000 | $ 86,333 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 578,000 | $ 192,666 | $ 132,000 |
| Dothan, AL | 3 | $ 434,000 | $ 144,666 | $ 60,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 714,000 | $ 238,000 | $ 95,000 |
| Fort Smith, AR-OK | 3 | $ 432,000 | $ 144,000 | $ 78,000 |
| Greenville, NC | 3 | $ 459,000 | $ 153,000 | $ 99,000 |
| Mobile, AL | 3 | $ 374,000 | $ 124,666 | $ 43,000 |
| Palm Coast, FL | 3 | $ 555,000 | $ 185,000 | $ 153,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 520,000 | $ 173,333 | $ 58,000 |
| Phoenix-Mesa-Glendale, AZ | 3 | $ 598,000 | $ 199,333 | $ 61,000 |
| Port St. Lucie, FL | 3 | $ 412,000 | $ 137,333 | $ 139,000 |
| Rocky Mount, NC | 3 | $ 663,000 | $ 221,000 | $ 95,000 |
| Topeka, KS | 3 | $ 571,000 | $ 190,333 | $ 57,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 705,000 | $ 235,000 | $ 71,000 |
| Anniston-Oxford, AL | 2 | $ 259,000 | $ 129,500 | $ 13,000 |
| Brownsville-Harlingen, TX | 2 | $ 326,000 | $ 163,000 | $ 60,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 220,000 | $ 110,000 | $ 53,500 |
| Columbia, MO | 2 | $ 342,000 | $ 171,000 | $ 85,000 |
| Columbus, IN | 2 | $ 266,000 | $ 133,000 | $ 66,000 |
| Corpus Christi, TX | 2 | $ 292,000 | $ 146,000 | $ 78,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 236,000 | $ 118,000 | $ 61,000 |
| El Paso, TX | 2 | $ 427,000 | $ 213,500 | $ 44,000 |
| Gainesville, FL | 2 | $ 250,000 | $ 125,000 | $ 86,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 326,000 | $ 163,000 | $ 51,000 |
| Hot Springs, AR | 2 | $ 384,000 | $ 192,000 | $ 109,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 351,000 | $ 175,500 | $ 116,000 |
| Lawrence, KS | 2 | $ 253,000 | $ 126,500 | $ 0 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 513,000 | $ 256,500 | $ 144,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 357,000 | $ 178,500 | $ 45,000 |
| Cheyenne, WY | 1 | $ 232,000 | $ 232,000 | $ 83,000 |
| Columbus, GA-AL | 1 | $ 56,000 | $ 56,000 | $ 41,000 |
| Columbus, OH | 1 | $ 153,000 | $ 153,000 | $ 54,000 |
| Lafayette, LA | 1 | $ 200,000 | $ 200,000 | $ 107,000 |
| Lima, OH | 1 | $ 156,000 | $ 156,000 | $ 73,000 |
| Lubbock, TX | 1 | $ 100,000 | $ 100,000 | $ 155,000 |
| Manhattan, KS | 1 | $ 264,000 | $ 264,000 | $ 110,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 183,000 | $ 183,000 | $ 98,000 |
| Midland, TX | 1 | $ 182,000 | $ 182,000 | $ 44,000 |
| Ocala, FL | 1 | $ 68,000 | $ 68,000 | $ 31,000 |
| Odessa, TX | 1 | $ 285,000 | $ 285,000 | $ 168,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 504,000 | $ 504,000 | $ 227,000 |
| Pascagoula, MS | 1 | $ 218,000 | $ 218,000 | $ 60,000 |
| Pine Bluff, AR | 1 | $ 120,000 | $ 120,000 | $ 37,000 |
| St. Joseph, MO-KS | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
| Sumter, SC | 1 | $ 119,000 | $ 119,000 | $ 34,000 |
| Tulsa, OK | 1 | $ 78,000 | $ 78,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for Acopia, LLC in 2013
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 | 4,679 | $842,587,000 | $180,000 | $1,500,000 | $75,000 | $939,000 |
| Home Purchase | 4,149 | $720,920,000 | $173,000 | $800,000 | $75,000 | $1,650,000 |
| Home Improvement | 29 | $3,901,000 | $134,000 | $316,000 | $85,000 | $385,000 |
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 | 7,500 | $1,339,716,000 | $178,000 | $996,000 | $77,000 | $1,650,000 |
| Black or African American | 585 | $91,001,000 | $155,000 | $800,000 | $60,000 | $492,000 |
| Hispanic | 320 | $54,415,000 | $170,000 | $851,000 | $64,000 | $492,000 |
| Not Provided | 247 | $42,571,000 | $172,000 | $724,000 | $67,000 | $296,000 |
| Asian | 179 | $34,922,000 | $195,000 | $1,500,000 | $83,000 | $828,000 |
| American Indian or Alaskan Native | 14 | $2,481,000 | $177,000 | $403,000 | $68,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,302,000 | $191,000 | $247,000 | $91,000 | $192,000 |
| Not applicable | 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) | 5,115 | $979,109,000 | $191,000 | $1,500,000 | $92,000 | $1,650,000 |
| FHA-insured (Federal Housing Administration) | 2,445 | $383,636,000 | $156,000 | $440,000 | $52,000 | $325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 719 | $93,644,000 | $130,000 | $306,000 | $43,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 578 | $111,019,000 | $192,000 | $494,000 | $58,000 | $332,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 5,720 | $1,015,554,000 | $177,000 | $878,000 | $75,000 | $1,163,000 |
| Application Withdrawn By Applicant | 1,913 | $346,932,000 | $181,000 | $1,500,000 | $82,000 | $1,650,000 |
| Application Denied By Financial Institution | 1,180 | $197,424,000 | $167,000 | $950,000 | $65,000 | $593,000 |
| Application Approved But Not Accepted | 38 | $6,678,000 | $175,000 | $423,000 | $78,000 | $210,000 |
| Preapproval Denied by Financial Institution | 5 | $697,000 | $139,000 | $167,000 | $47,000 | $67,000 |
| Preapproval Approved but not Accepted | 1 | $123,000 | $123,000 | $123,000 | $41,000 | $41,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Other | 431 | $74,308,000 | $172,000 | $950,000 | $73,000 | $400,000 |
| Credit History | 291 | $44,552,000 | $153,000 | $417,000 | $58,000 | $200,000 |
| Debt-To-Income Ratio | 242 | $41,903,000 | $173,000 | $502,000 | $55,000 | $329,000 |
| Collateral | 86 | $13,375,000 | $155,000 | $487,000 | $70,000 | $342,000 |
| Unverifiable Information | 55 | $10,583,000 | $192,000 | $679,000 | $88,000 | $593,000 |
| Employment History | 35 | $5,902,000 | $168,000 | $417,000 | $65,000 | $187,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $3,352,000 | $176,000 | $417,000 | $69,000 | $154,000 |
| Credit Application Incomplete | 18 | $2,935,000 | $163,000 | $396,000 | $57,000 | $212,000 |
| Mortgage Insurance Denied | 2 | $384,000 | $192,000 | $245,000 | $57,000 | $60,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Acopia, LLC's 2013 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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