Acopia, LLC Mortgage Lending & HMDA Data, 2024
In 2024, Acopia, LLC of Goodlettsville, TN reported 2,608 mortgage applications totaling $685.1 million, down 10% from 2023. The average application was for $262,703, and applicants reported an average income of $116,213. 71% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (514), Greenville-Anderson-Mauldin, SC (231) and Port St. Lucie, FL (218) (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 | 2,608 |
| Total Mortgage Loan Application Amount | $685,130,000 |
| Average Mortgage Loan Application Amount | $262,703 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $116,213 |
| Highest Applicant Income | $7,469,000 |
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Act (HMDA) records Acopia, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 514 | $ 140,680,000 | $ 273,696 | $ 120,000 |
| Outside any metro area | 383 | $ 83,095,000 | $ 216,958 | $ 95,005 |
| Greenville-Anderson-Mauldin, SC | 231 | $ 66,015,000 | $ 285,779 | $ 130,000 |
| Port St. Lucie, FL | 218 | $ 61,740,000 | $ 283,211 | $ 122,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 207 | $ 71,915,000 | $ 347,415 | $ 130,000 |
| Spartanburg, SC | 126 | $ 33,180,000 | $ 263,333 | $ 104,000 |
| Marietta, GA | 116 | $ 30,780,000 | $ 265,344 | $ 111,000 |
| Jackson, MS | 88 | $ 17,250,000 | $ 196,022 | $ 76,000 |
| Memphis, TN-MS-AR | 76 | $ 16,310,000 | $ 214,605 | $ 95,789 |
| Orlando-Kissimmee-Sanford, FL | 64 | $ 20,240,000 | $ 316,250 | $ 102,000 |
| Anniston-Oxford-Jacksonville, AL | 56 | $ 8,590,000 | $ 153,392 | $ 74,000 |
| Birmingham-Hoover, AL | 55 | $ 9,715,000 | $ 176,636 | $ 106,000 |
| Fayetteville, NC | 32 | $ 7,120,000 | $ 222,500 | $ 109,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 26 | $ 7,370,000 | $ 283,461 | $ 99,000 |
| Gainesville, GA | 25 | $ 9,395,000 | $ 375,800 | $ 184,000 |
| Augusta-Richmond County, GA-SC | 22 | $ 2,910,000 | $ 132,272 | $ 100,545 |
| Sebastian-Vero Beach, FL | 22 | $ 4,650,000 | $ 211,363 | $ 85,000 |
| Gadsden, AL | 20 | $ 3,030,000 | $ 151,500 | $ 77,000 |
| Montgomery, AL | 19 | $ 3,765,000 | $ 198,157 | $ 106,000 |
| Charlotte-Concord-Gastonia, NC-SC | 18 | $ 7,630,000 | $ 423,888 | $ 139,666 |
| Savannah, GA | 17 | $ 3,515,000 | $ 206,764 | $ 121,000 |
| Asheville, NC | 16 | $ 7,300,000 | $ 456,250 | $ 211,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 4,490,000 | $ 280,625 | $ 147,000 |
| Pinehurst-Southern Pines, NC | 14 | $ 7,190,000 | $ 513,571 | $ 164,000 |
| Raleigh, NC | 14 | $ 4,050,000 | $ 289,285 | $ 119,000 |
| Athens-Clarke County, GA | 13 | $ 3,835,000 | $ 295,000 | $ 141,000 |
| Huntsville, AL | 13 | $ 3,115,000 | $ 239,615 | $ 110,000 |
| Macon-Bibb County, GA | 13 | $ 2,175,000 | $ 167,307 | $ 69,000 |
| Chattanooga, TN-GA | 12 | $ 2,140,000 | $ 178,333 | $ 101,833 |
| Clarksville, TN-KY | 11 | $ 2,395,000 | $ 217,727 | $ 50,909 |
| Brunswick, GA | 10 | $ 2,620,000 | $ 262,000 | $ 131,000 |
| Columbia, SC | 10 | $ 2,240,000 | $ 224,000 | $ 105,000 |
| Jacksonville, FL | 9 | $ 1,695,000 | $ 188,333 | $ 120,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 2,085,000 | $ 231,666 | $ 99,000 |
| Bowling Green, KY | 8 | $ 2,050,000 | $ 256,250 | $ 112,000 |
| Warner Robins, GA | 8 | $ 1,990,000 | $ 248,750 | $ 101,000 |
| Wilmington, NC | 8 | $ 3,460,000 | $ 432,500 | $ 147,000 |
| Albany, GA | 7 | $ 825,000 | $ 117,857 | $ 51,000 |
| Columbus, GA-AL | 7 | $ 1,015,000 | $ 145,000 | $ 59,714 |
| Lakeland-Winter Haven, FL | 7 | $ 2,125,000 | $ 303,571 | $ 87,000 |
| Valdosta, GA | 6 | $ 720,000 | $ 120,000 | $ 71,000 |
| Dalton, GA | 5 | $ 675,000 | $ 135,000 | $ 63,000 |
| Rome, GA | 5 | $ 995,000 | $ 199,000 | $ 82,000 |
| Greensboro-High Point, NC | 4 | $ 1,470,000 | $ 367,500 | $ 124,000 |
| Knoxville, TN | 4 | $ 1,400,000 | $ 350,000 | $ 198,000 |
| Lexington-Fayette, KY | 4 | $ 1,150,000 | $ 287,500 | $ 177,000 |
| Tuscaloosa, AL | 4 | $ 670,000 | $ 167,500 | $ 70,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 485,000 | $ 161,666 | $ 100,000 |
| Jacksonville, NC | 3 | $ 955,000 | $ 318,333 | $ 170,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 1,425,000 | $ 475,000 | $ 248,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 1,265,000 | $ 421,666 | $ 218,000 |
| Charleston-North Charleston, SC | 2 | $ 500,000 | $ 250,000 | $ 123,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 860,000 | $ 430,000 | $ 79,000 |
| Ocala, FL | 2 | $ 410,000 | $ 205,000 | $ 42,000 |
| Paducah, KY-IL | 2 | $ 400,000 | $ 200,000 | $ 99,000 |
| Panama City, FL | 2 | $ 720,000 | $ 360,000 | $ 208,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,040,000 | $ 520,000 | $ 666,000 |
| Punta Gorda, FL | 2 | $ 810,000 | $ 405,000 | $ 242,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 275,000 | $ 275,000 | $ 338,000 |
| Beaumont-Port Arthur, TX | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Decatur, AL | 1 | $ 355,000 | $ 355,000 | $ 225,000 |
| Durham-Chapel Hill, NC | 1 | $ 465,000 | $ 465,000 | $ 7,469,000 |
| Fort Smith, AR-OK | 1 | $ 375,000 | $ 375,000 | $ 318,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 385,000 | $ 385,000 | $ 186,000 |
| Jackson, TN | 1 | $ 395,000 | $ 395,000 | $ 130,000 |
| Mobile, AL | 1 | $ 315,000 | $ 315,000 | $ 122,000 |
| Rocky Mount, NC | 1 | $ 535,000 | $ 535,000 | $ 110,000 |
| Sumter, SC | 1 | $ 175,000 | $ 175,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Acopia, LLC in 2024
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 | 2,454 | $643,640,000 | $262,000 | $1,925,000 | $116,000 | $7,469,000 |
| Cash-out Refinancing | 58 | $13,470,000 | $232,000 | $945,000 | $135,000 | $599,000 |
| Refinancing | 56 | $18,990,000 | $339,000 | $2,005,000 | $110,000 | $780,000 |
| Home Improvement | 39 | $8,655,000 | $221,000 | $405,000 | $111,000 | $339,000 |
| Other Purpose | 1 | $375,000 | $375,000 | $375,000 | $101,000 | $101,000 |
| Not Applicable | 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 | 1,491 | $408,915,000 | $274,000 | $2,005,000 | $124,000 | $7,469,000 |
| Black or African American | 541 | $116,855,000 | $215,000 | $945,000 | $87,000 | $357,000 |
| Hispanic | 253 | $65,445,000 | $258,000 | $885,000 | $98,000 | $525,000 |
| Not Provided | 207 | $60,045,000 | $290,000 | $1,505,000 | $143,000 | $2,000,000 |
| Asian | 94 | $28,420,000 | $302,000 | $755,000 | $156,000 | $810,000 |
| American Indian or Alaskan Native | 15 | $3,945,000 | $263,000 | $475,000 | $95,000 | $190,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $775,000 | $155,000 | $345,000 | $60,000 | $117,000 |
| Not applicable | 2 | $730,000 | $365,000 | $415,000 | $97,000 | $122,000 |
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) | 1,522 | $363,750,000 | $238,000 | $2,005,000 | $132,000 | $7,469,000 |
| FHA-insured (Federal Housing Administration) | 850 | $240,090,000 | $282,000 | $915,000 | $90,000 | $441,000 |
| VA-guaranteed (Veterans Administration) | 194 | $71,890,000 | $370,000 | $1,205,000 | $113,000 | $337,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 42 | $9,400,000 | $223,000 | $455,000 | $77,000 | $120,000 |
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 | 1,840 | $489,940,000 | $266,000 | $1,605,000 | $114,000 | $1,960,000 |
| Application Withdrawn By Applicant | 421 | $102,365,000 | $243,000 | $1,925,000 | $115,000 | $2,000,000 |
| Application Approved But Not Accepted | 220 | $63,270,000 | $287,000 | $1,795,000 | $155,000 | $7,469,000 |
| Application Denied By Financial Institution | 127 | $29,555,000 | $232,000 | $2,005,000 | $89,000 | $780,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,481 | $655,575,000 | $264,000 | $1,925,000 | $117,000 | $7,469,000 |
| Debt-To-Income Ratio | 31 | $9,095,000 | $293,000 | $2,005,000 | $122,000 | $780,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $5,740,000 | $220,000 | $515,000 | $76,000 | $314,000 |
| Collateral | 20 | $4,330,000 | $216,000 | $415,000 | $86,000 | $354,000 |
| Employment History | 17 | $3,725,000 | $219,000 | $385,000 | $64,000 | $110,000 |
| Credit History | 15 | $2,935,000 | $195,000 | $425,000 | $70,000 | $120,000 |
| Unverifiable Information | 11 | $2,905,000 | $264,000 | $785,000 | $88,000 | $259,000 |
| Other | 7 | $825,000 | $117,000 | $325,000 | $97,000 | $149,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Acopia, LLC's 2024 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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