ACOPIA, LLC closing costs and rates (2024)
In 2024, ACOPIA, LLC originated 1,401 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $9,202. That ranks #286 nationally by origination volume. For total closing costs among lenders with 500+ originations, ACOPIA, LLC ranks #516. That is $2,461 above the national median of $6,741. ACOPIA, LLC is most active in Georgia with 460 originations there.
Purchase Originations
1,401
Ranked #286 nationally
Median Total Costs
$9,202
+36.5% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$4,252
Median Lender Credits
$675
Cost Rank (500+ vol.)
#516
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 653 | 6.625% | $7,067 | $4,356 |
| fha | 578 | 6.375% | $12,510 | $4,823 |
| va | 134 | 6.374% | $4,601 | $0 |
| usda | 36 | 6.500% | $7,847 | $3,389 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 460 | 6.500% | $10,278 | #56 |
| South Carolina | 303 | 6.490% | $8,844 | #50 |
| Florida | 194 | 6.625% | $10,031 | #170 |
| Tennessee | 138 | 6.625% | $9,629 | #99 |
| Alabama | 115 | 6.875% | $6,974 | #81 |
| Mississippi | 95 | 6.500% | $9,059 | #51 |
| North Carolina | 72 | 6.625% | $8,852 | #170 |
| Kentucky | 21 | 6.625% | $6,964 | — |
| Arkansas | 1 | 7.375% | $4,920 | — |
| Texas | 1 | 7.125% | $10,097 | — |
| Virginia | 1 | 7.625% | $2,684 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,642 | 6.875% | — | 30 | −$1,560 | |
| 2 | $7,681 | 6.490% | — | 31 | −$1,521 | |
| 3 | $7,980 | 6.625% | — | 55 | −$1,222 | |
| 4 | $8,453 | 6.375% | — | 21 | −$749 | |
| 5 | $8,913 | 6.375% | — | 71 | −$289 | |
| 6 | $8,976 | 6.625% | — | 40 | −$226 | |
| 7 | $9,239 | 6.875% | — | 85 | +$37 | |
| 8 | $9,399 | 6.625% | — | 24 | +$197 | |
| 9 | $9,490 | 6.625% | — | 39 | +$288 | |
| 10 | $9,717 | 6.250% | — | 28 | +$515 | |
| 11 | $9,906 | 6.500% | — | 25 | +$704 | |
| 12 | $10,069 | 6.625% | — | 17 | +$867 | |
| 13 | $10,183 | 6.625% | — | 27 | +$981 | |
| 14 | $10,191 | 6.000% | — | 82 | +$989 | |
| 15 | $10,622 | 6.625% | — | 25 | +$1,420 | |
| 16 | $10,981 | 6.562% | — | 32 | +$1,779 | |
| 17 | $11,942 | 6.625% | — | 21 | +$2,740 | |
| 18 | $12,082 | 6.312% | — | 58 | +$2,880 | |
| 19 | $12,913 | 5.540% | — | 26 | +$3,711 | |
| 20 | $15,223 | 5.875% | — | 33 | +$6,021 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.