Acopia, LLC Mortgage Lending & HMDA Data, 2017

In 2017, Acopia, LLC of Goodlettsville, TN reported 8,674 mortgage applications totaling $1.9 billion, down 3% from 2016. The average application was for $219,327, and applicants reported an average income of $89,855. 71% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (1,502), Atlanta-Sandy Springs-Roswell, GA (1,441) and Louisville/Jefferson County, KY-IN (476) (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 8,674
Total Mortgage Loan Application Amount $1,902,450,000
Average Mortgage Loan Application Amount $219,327
Highest Mortgage Loan Application Amount $1,895,000
Average Applicant Income $89,855
Highest Applicant Income $2,802,000

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Act (HMDA) records Acopia, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Acopia, LLC by Metropolitan Area in 2017

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 1,502 $ 320,708,000 $ 213,520 $ 84,000
Atlanta-Sandy Springs-Roswell, GA 1,441 $ 298,591,000 $ 207,210 $ 94,000
Louisville/Jefferson County, KY-IN 476 $ 85,602,000 $ 179,836 $ 80,369
Washington-Arlington-Alexandria, DC-VA-MD-WV 394 $ 121,939,000 $ 309,489 $ 85,434
Port St. Lucie, FL 316 $ 58,175,000 $ 184,098 $ 81,000
Charlotte-Concord-Gastonia, NC-SC 292 $ 62,326,000 $ 213,445 $ 91,174
Asheville, NC 276 $ 60,304,000 $ 218,492 $ 91,000
Clarksville, TN-KY 154 $ 26,727,000 $ 173,551 $ 67,883
Greenville-Anderson-Mauldin, SC 124 $ 22,001,000 $ 177,427 $ 72,000
Riverside-San Bernardino-Ontario, CA 122 $ 38,765,000 $ 317,745 $ 111,000
Gainesville, GA 112 $ 22,965,000 $ 205,044 $ 83,000
Salisbury, MD-DE 101 $ 22,096,000 $ 218,772 $ 102,108
Huntsville, AL 99 $ 15,895,000 $ 160,555 $ 72,000
Charleston-North Charleston, SC 97 $ 21,700,000 $ 223,711 $ 75,000
Oakland-Hayward-Berkeley, CA 90 $ 39,210,000 $ 435,666 $ 165,000
Memphis, TN-MS-AR 86 $ 14,058,000 $ 163,465 $ 70,348
Los Angeles-Long Beach-Glendale, CA 83 $ 35,623,000 $ 429,192 $ 116,000
Chattanooga, TN-GA 64 $ 11,780,000 $ 184,062 $ 71,468
Raleigh, NC 64 $ 18,033,000 $ 281,765 $ 110,000
Sacramento--Roseville--Arden-Arcade, CA 62 $ 19,350,000 $ 312,096 $ 112,000
Warner Robins, GA 62 $ 10,130,000 $ 163,387 $ 75,000
Orlando-Kissimmee-Sanford, FL 59 $ 14,152,000 $ 239,864 $ 104,000
Little Rock-North Little Rock-Conway, AR 58 $ 10,772,000 $ 185,724 $ 93,000
Denver-Aurora-Lakewood, CO 54 $ 17,109,000 $ 316,833 $ 94,000
Phoenix-Mesa-Scottsdale, AZ 51 $ 12,639,000 $ 247,823 $ 57,000
Albany, GA 50 $ 6,719,000 $ 134,380 $ 66,000
Deltona-Daytona Beach-Ormond Beach, FL 50 $ 8,040,000 $ 160,800 $ 99,000
Stockton-Lodi, CA 47 $ 14,215,000 $ 302,446 $ 111,000
Anaheim-Santa Ana-Irvine, CA 45 $ 19,178,000 $ 426,177 $ 160,000
San Diego-Carlsbad, CA 45 $ 17,091,000 $ 379,800 $ 116,000
Augusta-Richmond County, GA-SC 43 $ 8,351,000 $ 194,209 $ 75,465
Silver Spring-Frederick-Rockville, MD 43 $ 12,793,000 $ 297,511 $ 95,000
St. Louis, MO-IL 43 $ 7,925,000 $ 184,302 $ 80,837
Daphne-Fairhope-Foley, AL 41 $ 7,106,000 $ 173,317 $ 86,000
Fayetteville, NC 41 $ 5,568,000 $ 135,804 $ 63,000
Macon-Bibb County, GA 39 $ 6,695,000 $ 171,666 $ 119,000
San Jose-Sunnyvale-Santa Clara, CA 38 $ 18,601,000 $ 489,500 $ 184,000
Spartanburg, SC 38 $ 5,084,000 $ 133,789 $ 48,000
Baltimore-Columbia-Towson, MD 35 $ 10,075,000 $ 287,857 $ 112,000
Tampa-St. Petersburg-Clearwater, FL 34 $ 8,238,000 $ 242,294 $ 91,000
Cape Coral-Fort Myers, FL 32 $ 7,133,000 $ 222,906 $ 96,000
San Antonio-New Braunfels, TX 30 $ 6,616,000 $ 220,533 $ 107,000
Miami-Miami Beach-Kendall, FL 29 $ 7,740,000 $ 266,896 $ 100,000
North Port-Sarasota-Bradenton, FL 27 $ 5,641,000 $ 208,925 $ 89,000
Punta Gorda, FL 27 $ 4,814,000 $ 178,296 $ 115,000
Richmond, VA 27 $ 7,414,000 $ 274,592 $ 95,000
Valdosta, GA 27 $ 4,823,000 $ 178,629 $ 75,000
West Palm Beach-Boca Raton-Delray Beach, FL 25 $ 7,258,000 $ 290,320 $ 125,000
Columbia, SC 23 $ 3,818,000 $ 166,000 $ 70,000
Dallas-Plano-Irving, TX 23 $ 6,179,000 $ 268,652 $ 103,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 23 $ 6,056,000 $ 263,304 $ 139,000
Dover, DE 22 $ 4,573,000 $ 207,863 $ 79,000
Fayetteville-Springdale-Rogers, AR-MO 20 $ 3,561,000 $ 178,050 $ 80,000
Knoxville, TN 20 $ 3,702,000 $ 185,100 $ 70,000
Lakeland-Winter Haven, FL 20 $ 3,056,000 $ 152,800 $ 67,000
Jacksonville, FL 19 $ 6,069,000 $ 319,421 $ 164,000
Crestview-Fort Walton Beach-Destin, FL 18 $ 6,648,000 $ 369,333 $ 216,000
Savannah, GA 18 $ 3,369,000 $ 187,166 $ 62,000
Gadsden, AL 17 $ 2,411,000 $ 141,823 $ 60,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 16 $ 3,965,000 $ 247,812 $ 136,625
Vallejo-Fairfield, CA 16 $ 4,919,000 $ 307,437 $ 83,000
Virginia Beach-Norfolk-Newport News, VA-NC 16 $ 4,206,000 $ 262,875 $ 120,625
Birmingham-Hoover, AL 15 $ 3,431,000 $ 228,733 $ 98,000
Charlottesville, VA 15 $ 5,572,000 $ 371,466 $ 152,000
Elizabethtown-Fort Knox, KY 15 $ 2,600,000 $ 173,333 $ 71,000
New Orleans-Metairie, LA 15 $ 2,867,000 $ 191,133 $ 68,000
Sebastian-Vero Beach, FL 15 $ 3,024,000 $ 201,600 $ 60,000
Modesto, CA 13 $ 3,257,000 $ 250,538 $ 70,000
Athens-Clarke County, GA 12 $ 2,462,000 $ 205,166 $ 111,000
Dalton, GA 12 $ 1,350,000 $ 112,500 $ 48,000
Houston-The Woodlands-Sugar Land, TX 12 $ 3,055,000 $ 254,583 $ 127,000
San Francisco-Redwood City-South San Francisco, CA 11 $ 4,737,000 $ 430,636 $ 168,000
Shreveport-Bossier City, LA 11 $ 2,963,000 $ 269,363 $ 153,000
Oxnard-Thousand Oaks-Ventura, CA 10 $ 4,541,000 $ 454,100 $ 102,000
Wilmington, DE-MD-NJ 10 $ 2,092,000 $ 209,200 $ 69,000
Bowling Green, KY 9 $ 1,538,000 $ 170,888 $ 62,000
Colorado Springs, CO 9 $ 2,363,000 $ 262,555 $ 83,000
Durham-Chapel Hill, NC 9 $ 1,887,000 $ 209,666 $ 86,000
Greensboro-High Point, NC 9 $ 1,355,000 $ 150,555 $ 61,000
Hickory-Lenoir-Morganton, NC 9 $ 1,973,000 $ 219,222 $ 169,000
Oklahoma City, OK 9 $ 2,544,000 $ 282,666 $ 222,000
Panama City, FL 9 $ 1,393,000 $ 154,777 $ 103,000
Winston-Salem, NC 9 $ 1,682,000 $ 186,888 $ 91,000
Austin-Round Rock, TX 7 $ 2,623,000 $ 374,714 $ 122,000
Brunswick, GA 7 $ 3,118,000 $ 445,428 $ 211,000
Chicago-Naperville-Arlington Heights, IL 7 $ 1,661,000 $ 237,285 $ 228,000
Florence, SC 7 $ 1,199,000 $ 171,285 $ 53,000
Indianapolis-Carmel-Anderson, IN 7 $ 1,236,000 $ 176,571 $ 72,000
Milwaukee-Waukesha-West Allis, WI 7 $ 1,676,000 $ 239,428 $ 56,000
Anniston-Oxford-Jacksonville, AL 6 $ 600,000 $ 100,000 $ 48,000
Fresno, CA 6 $ 1,533,000 $ 255,500 $ 143,000
Lexington-Fayette, KY 6 $ 715,000 $ 119,166 $ 62,000
Napa, CA 6 $ 2,762,000 $ 460,333 $ 584,000
Naples-Immokalee-Marco Island, FL 6 $ 1,748,000 $ 291,333 $ 217,000
Palm Bay-Melbourne-Titusville, FL 6 $ 1,224,000 $ 204,000 $ 59,000
Santa Rosa, CA 6 $ 2,203,000 $ 367,166 $ 67,000
Wilmington, NC 6 $ 1,785,000 $ 297,500 $ 152,000
Burlington, NC 5 $ 885,000 $ 177,000 $ 87,000
Fort Worth-Arlington, TX 5 $ 1,348,000 $ 269,600 $ 114,000
Pensacola-Ferry Pass-Brent, FL 5 $ 917,000 $ 183,400 $ 64,000
Salinas, CA 5 $ 1,592,000 $ 318,400 $ 135,000
Winchester, VA-WV 5 $ 1,303,000 $ 260,600 $ 61,000
Columbus, GA-AL 4 $ 460,000 $ 115,000 $ 48,000
Florence-Muscle Shoals, AL 4 $ 1,053,000 $ 263,250 $ 86,000
Jackson, TN 4 $ 534,000 $ 133,500 $ 65,000
Kingsport-Bristol-Bristol, TN-VA 4 $ 956,000 $ 239,000 $ 79,500
Minneapolis-St. Paul-Bloomington, MN-WI 4 $ 1,231,000 $ 307,750 $ 107,000
Mobile, AL 4 $ 631,000 $ 157,750 $ 95,000
Ocala, FL 4 $ 720,000 $ 180,000 $ 39,000
Rome, GA 4 $ 534,000 $ 133,500 $ 64,000
Tallahassee, FL 4 $ 817,000 $ 204,250 $ 119,000
Bakersfield, CA 3 $ 629,000 $ 209,666 $ 21,000
Baton Rouge, LA 3 $ 1,431,000 $ 477,000 $ 248,000
Cincinnati, OH-KY-IN 3 $ 447,000 $ 149,000 $ 75,666
El Centro, CA 3 $ 776,000 $ 258,666 $ 86,000
Hinesville, GA 3 $ 572,000 $ 190,666 $ 61,000
Johnson City, TN 3 $ 652,000 $ 217,333 $ 101,000
Lafayette, LA 3 $ 762,000 $ 254,000 $ 152,000
Lake County-Kenosha County, IL-WI 3 $ 651,000 $ 217,000 $ 51,000
Merced, CA 3 $ 479,000 $ 159,666 $ 40,000
Santa Maria-Santa Barbara, CA 3 $ 980,000 $ 326,666 $ 88,000
Sumter, SC 3 $ 532,000 $ 177,333 $ 41,000
Tuscaloosa, AL 3 $ 317,000 $ 105,666 $ 42,000
Visalia-Porterville, CA 3 $ 779,000 $ 259,666 $ 125,000
Yuba City, CA 3 $ 938,000 $ 312,666 $ 161,000
Amarillo, TX 2 $ 411,000 $ 205,500 $ 96,000
Champaign-Urbana, IL 2 $ 768,000 $ 384,000 $ 157,000
Cleveland, TN 2 $ 257,000 $ 128,500 $ 86,000
Dothan, AL 2 $ 70,000 $ 35,000 $ 38,000
Fond Du Lac, WI 2 $ 261,000 $ 130,500 $ 101,000
Greeley, CO 2 $ 666,000 $ 333,000 $ 91,000
Hagerstown-Martinsburg, MD-WV 2 $ 612,000 $ 306,000 $ 89,000
Harrisonburg, VA 2 $ 552,000 $ 276,000 $ 32,000
Hilton Head Island-Bluffton-Beaufort, SC 2 $ 517,000 $ 258,500 $ 178,000
Jackson, MS 2 $ 527,000 $ 263,500 $ 162,000
Kansas City, MO-KS 2 $ 442,000 $ 221,000 $ 64,500
Lake Charles, LA 2 $ 1,000,000 $ 500,000 $ 200,000
Madison, WI 2 $ 507,000 $ 253,500 $ 89,000
Morristown, TN 2 $ 296,000 $ 148,000 $ 134,000
New Bern, NC 2 $ 251,000 $ 125,500 $ 31,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 2 $ 851,000 $ 425,500 $ 159,000
Terre Haute, IN 2 $ 268,000 $ 134,000 $ 63,000
Tucson, AZ 2 $ 478,000 $ 239,000 $ 88,000
Alexandria, LA 1 $ 81,000 $ 81,000 $ 46,000
Auburn-Opelika, AL 1 $ 123,000 $ 123,000 $ 56,000
Boulder, CO 1 $ 839,000 $ 839,000 $ 101,000
Brownsville-Harlingen, TX 1 $ 171,000 $ 171,000 $ 92,000
California-Lexington Park, MD 1 $ 424,000 $ 424,000 $ 132,000
Decatur, AL 1 $ 163,000 $ 163,000 $ 53,000
Fort Collins, CO 1 $ 267,000 $ 267,000 $ 0
Fort Wayne, IN 1 $ 139,000 $ 139,000 $ 64,000
Gainesville, FL 1 $ 241,000 $ 241,000 $ 135,000
Grand Junction, CO 1 $ 288,000 $ 288,000 $ 0
Green Bay, WI 1 $ 240,000 $ 240,000 $ 76,000
Hammond, LA 1 $ 179,000 $ 179,000 $ 52,000
Hanford-Corcoran, CA 1 $ 277,000 $ 277,000 $ 105,000
Lubbock, TX 1 $ 175,000 $ 175,000 $ 104,000
Lynchburg, VA 1 $ 127,000 $ 127,000 $ 24,000
Madera, CA 1 $ 242,000 $ 242,000 $ 121,000
Olympia-Tumwater, WA 1 $ 238,000 $ 238,000 $ 42,000
Racine, WI 1 $ 232,000 $ 232,000 $ 140,000
Reading, PA 1 $ 240,000 $ 240,000 $ 81,000
Rocky Mount, NC 1 $ 236,000 $ 236,000 $ 74,000
San Rafael, CA 1 $ 640,000 $ 640,000 $ 109,000
Sebring, FL 1 $ 125,000 $ 125,000 $ 52,000
Sherman-Denison, TX 1 $ 222,000 $ 222,000 $ 55,000
Springfield, MO 1 $ 81,000 $ 81,000 $ 66,000
Staunton-Waynesboro, VA 1 $ 248,000 $ 248,000 $ 114,000
Texarkana, TX-AR 1 $ 318,000 $ 318,000 $ 125,000
Tulsa, OK 1 $ 424,000 $ 424,000 $ 346,000
York-Hanover, PA 1 $ 138,000 $ 138,000 $ 86,000

Mortgage Loan Application Detail Totals for Acopia, LLC in 2017

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
Home Purchase 6,499 $1,357,879,000 $208,000 $1,742,000 $89,000 $1,141,000
Refinancing 1,280 $337,405,000 $263,000 $1,895,000 $92,000 $2,802,000
Home Improvement 895 $207,166,000 $231,000 $991,000 $93,000 $564,000

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 5,850 $1,233,525,000 $210,000 $1,895,000 $93,000 $2,802,000
Black or African American 1,063 $195,997,000 $184,000 $640,000 $72,000 $372,000
Hispanic 751 $169,094,000 $225,000 $701,000 $77,000 $1,138,000
Not Provided 518 $141,852,000 $273,000 $831,000 $81,000 $564,000
Asian 456 $153,097,000 $335,000 $1,159,000 $125,000 $449,000
Native Hawaiian or Other Pacific Islander 24 $6,067,000 $252,000 $595,000 $77,000 $150,000
American Indian or Alaskan Native 12 $2,818,000 $234,000 $585,000 $112,000 $333,000
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) 4,647 $1,087,614,000 $234,000 $1,895,000 $114,000 $2,802,000
FHA-insured (Federal Housing Administration) 2,766 $565,244,000 $204,000 $714,000 $61,000 $390,000
VA-guaranteed (Veterans Administration) 724 $172,901,000 $238,000 $701,000 $76,000 $291,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 537 $76,691,000 $142,000 $389,000 $47,000 $110,000

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 6,139 $1,328,515,000 $216,000 $1,742,000 $90,000 $1,141,000
Application Withdrawn By Applicant 880 $181,314,000 $206,000 $960,000 $88,000 $865,000
Application Approved But Not Accepted 823 $207,490,000 $252,000 $975,000 $97,000 $633,000
Application Denied By Financial Institution 577 $116,890,000 $202,000 $1,159,000 $84,000 $2,802,000
File Closed For Incompleteness 255 $68,241,000 $267,000 $1,895,000 $90,000 $600,000
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
Debt-To-Income Ratio 65 $14,689,000 $225,000 $524,000 $60,000 $256,000
Credit History 50 $8,990,000 $179,000 $471,000 $65,000 $330,000
Collateral 35 $5,742,000 $164,000 $585,000 $76,000 $375,000
Other 26 $4,446,000 $171,000 $399,000 $85,000 $271,000
Employment History 19 $3,886,000 $204,000 $340,000 $80,000 $186,000
Insufficient Cash (Downpayment, Closing Cost) 14 $2,143,000 $153,000 $233,000 $60,000 $173,000
Unverifiable Information 5 $1,276,000 $255,000 $453,000 $54,000 $72,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Acopia, LLC's 2017 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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