Purchase Originations
1,145
Ranked #342 nationally
Median Total Costs
$9,721
+45.5% vs national ($6,680)
↑ $519 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$4,176
Median Lender Credits
$1,320
Cost Rank (500+ vol.)
#531
among lenders with 500+ originations
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 538 | 6.000% | $12,458 | $4,722 |
| conventional | 464 | 6.500% | $6,836 | $4,244 |
| va | 118 | 5.990% | $5,434 | $0 |
| usda | 25 | 6.375% | $8,980 | $4,015 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 436 | 6.250% | $10,954 | #54 |
| South Carolina | 308 | 5.875% | $9,078 | #54 |
| Tennessee | 105 | 6.250% | $7,631 | #123 |
| Alabama | 94 | 6.375% | $7,688 | #97 |
| Mississippi | 66 | 6.375% | $10,458 | #57 |
| Florida | 59 | 5.990% | $12,276 | #298 |
| North Carolina | 46 | 6.500% | $7,537 | — |
| Kentucky | 28 | 6.250% | $9,378 | — |
| Arkansas | 1 | 5.500% | $6,810 | — |
| Texas | 1 | 6.500% | $0 | — |
| Virginia | 1 | 6.875% | $10,239 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,491 | 6.500% | — | 30 | −$3,230 | |
| 2 | $7,264 | 6.375% | — | 43 | −$2,457 | |
| 3 | $7,409 | 6.125% | — | 49 | −$2,312 | |
| 4 | $7,678 | 6.490% | — | 55 | −$2,043 | |
| 5 | $9,353 | 5.750% | — | 41 | −$368 | |
| 6 | $9,461 | 6.062% | — | 18 | −$260 | |
| 7 | $9,507 | 5.500% | — | 110 | −$214 | |
| 8 | $9,620 | 5.625% | — | 51 | −$101 | |
| 9 | $9,797 | 6.490% | — | 13 | +$76 | |
| 10 | $9,871 | 6.500% | — | 55 | +$150 | |
| 11 | $10,742 | 6.000% | — | 19 | +$1,021 | |
| 12 | $11,470 | 6.312% | — | 12 | +$1,749 | |
| 13 | $12,338 | 6.125% | — | 34 | +$2,617 | |
| 14 | $12,709 | 6.375% | — | 43 | +$2,988 | |
| 15 | $12,993 | 6.062% | — | 28 | +$3,272 | |
| 16 | $13,318 | 5.938% | — | 12 | +$3,597 | |
| 17 | $13,328 | 6.000% | — | 27 | +$3,607 | |
| 18 | $13,424 | 6.000% | — | 13 | +$3,703 | |
| 19 | $14,272 | 6.062% | — | 12 | +$4,551 | |
| 20 | $18,926 | 5.875% | — | 33 | +$9,205 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Acopia, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $9,721 | $7,127 | +$2,594 (+36.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.