We analyzed every closed loan from Acopia — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 21 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,255)
Explore another lender or local market
Report Card
Acopia performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+43.9 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
753 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
FHA
596 loans · 0.68% above market
Strong
Top 40% of lenders
4/5
VA
134 loans · 0.25% below market
Strong
Top 40% of lenders
4/5
USDA
36 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,481 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
Refinance
43 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 22 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 753 | 49.4% | +0.336%Above | $4,041Fees | ||||
FHA Loans | 596 | 39.1% | +0.677%Above | $4,729Fees | ||||
VA Loans | 134 | 8.8% | -0.252%Below | $3,280Fees | ||||
USDA Loans | — | 36 | 2.4% | +0.551%Above | $3,343Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume753
Mix49.4%
Spread
+0.336%Above
Fees
$4,041Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume596
Mix39.1%
Spread
+0.677%Above
Fees
$4,729Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume134
Mix8.8%
Spread
-0.252%Below
Fees
$3,280Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume36
Mix2.4%
Spread
+0.551%Above
Fees
$3,343Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,481 | 97.2% | +0.447%Above | $4,283Fees | ||||
Refinance | 43 | 2.8% | +0.270%Above | $3,650Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,481
Mix97.2%
Spread
+0.447%Above
Fees
$4,283Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume43
Mix2.8%
Spread
+0.270%Above
Fees
$3,650Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,524
Applications
2,133
Volume
$472 million
Pricing & Closing
Avg Rate Spread
+0.439%
vs. market APOR
Avg Net Fees
$4,255
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$310,164
Avg Borrower Income
$118,966
Avg Property Value
$368,930
Geographic Coverage
Geographic Performance
Metro Areas
21
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
< 100100–200200+None
South11
ALARFLGAKYMSNCSCTNTXVA
Top Metro Areas by Place Specialization Score
Showing 10 of 21 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.