ACOPIA, LLC
1,503 mortgages originated in 2025 across 7 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,503
- Median rate
- 6.250%
- Median lender fees
- $9,620
- Median loan amount
- $265,000
- Median spread over APOR
- 0.111
- Paid discount points
- 49.5%
- Received lender credits
- 30.2%
- Purchases / refinances
- 95.1% / 3.6%
- Conventional / FHA / VA
- 52.3% / 37.7% / 8.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 82.4% of loans here — see methodology.
Where ACOPIA, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Georgia | 632 | $10,696 | 6.375% |
| South Carolina | 365 | $9,009 | 5.990% |
| Alabama | 134 | $7,529 | 6.250% |
| Tennessee | 124 | $7,691 | 6.375% |
| Mississippi | 86 | $10,454 | 6.375% |
| Florida | 67 | $12,084 | 5.995% |
| North Carolina | 62 | $7,537 | 6.500% |