Acopia at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
79th4.1% deniedPricingmedian rate spread over APOR, weight 30%
73rd0.11 ptsProcesswithdrawn + incomplete share, weight 15%
69th13.2%Closing coststotal loan costs ÷ loan amount, weight 10%
12th3.66% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,886 | 2,023 | 4.6% | 5.6% | 6.88% | $517M |
| 2024 | 2,608 | 1,840 | 4.9% | 5.8% | 6.63% | $490M |
| 2025 | 2,059 | 1,503 | 3.6% | 4.1% | 6.25% | $393M |
What Acopia lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 10 home-equity lines, 0 reverse mortgages, 47 manufactured homes, 27 investment properties.
Why Acopia denies applications
Primary reason reported for each of the 74 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Acopia
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 189 | 129 | 10.8% |
| $50k – $100k | 1,040 | 750 | 4.5% |
| $100k – $150k | 491 | 375 | 2.1% |
| $150k – $250k | 250 | 184 | 2.7% |
| Over $250k | 81 | 61 | 1.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 164 | 136 | 3.3% |
| 25–34 | 664 | 508 | 3.3% |
| 35–44 | 473 | 332 | 3.7% |
| 45–54 | 319 | 230 | 4.7% |
| 55–64 | 276 | 188 | 5.5% |
| 65–74 | 126 | 83 | 8.3% |
| Over 74 | 37 | 26 | 0.0% |
Where Acopia lends
11 states and 200 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 921 | 632 | 4.2% | 6.38% | #98 |
| South Carolina | 477 | 365 | 2.3% | 5.99% | #103 |
| Alabama | 175 | 134 | 2.9% | 6.25% | #167 |
| Tennessee | 163 | 124 | 3.1% | 6.38% | #242 |
| Mississippi | 113 | 86 | 4.4% | 6.38% | #118 |
| North Carolina | 87 | 62 | 4.6% | 6.50% | #339 |
| Florida | 83 | 67 | 4.8% | 6.00% | #517 |
| Kentucky | 34 | 28 | 2.9% | 6.25% | #300 |
Frequently asked questions
Acopia denied 4.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 79th percentile of mid-size mortgage lenders.
The most common reason Acopia gave in 2025 was "other", cited on 27.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Acopia originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 94% of its applications were for home purchases, 5% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 53% conventional, 36% FHA, 9% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.