Lender in Georgia · HMDA 2025
Acopia, LLC mortgages in Georgia
Acopia, LLC's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
Acopia, LLC originated 454 owner-occupied single-family loans in Georgia from 556 completed applications.
Its median conventional purchase loan costs were $7,880 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.50% (Georgia: 6.624%).
Loans in GA
454
of 556 applications
Denial rate
4.2%
Purchase · GA 9.9%
Rate spread
+0.18 pts
Conv. · GA +0.13 pts
Loan amount
$295,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 528 | 433 | 4.2% | 6.500% | +0.18 pts | $7,880 | $295,000 |
| Refinance | 22 | 19 | 0.0% | — | — | — | — |
| Cash-out refinance | 6 | 2 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where Acopia, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Walton County | 5 | 63 | 3.4% |
| Berrien County | 9 | 5 | 2.8% |
| Morgan County | 10 | 7 | 2.2% |
| Decatur County | 10 | 6 | 2.7% |
| Hart County | 12 | 7 | 2.3% |
| Oconee County | 16 | 10 | 1.6% |
| Jackson County | 18 | 30 | 1.4% |
| Cook County | 18 | 2 | 1.4% |
| Dooly County | 19 | 1 | 1.9% |
| Jasper County | 20 | 5 | 1.5% |
| Thomas County | 24 | 4 | 0.8% |
| Clarke County | 25 | 8 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology