Acopia Home Loans
Acopia Home Loans is a Tennessee-based residential mortgage lender originating purchase and refinance loans for consumers across the Southeast US through 14 branches and 36 loan originators, operating as a Fannie/Freddie/Ginnie Mae direct seller-servicer with mobile and e-closing technology.
- Company typePrivate
- Founded2007
- HeadquartersGoodlettsville, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Acopia Home Loans does
Acopia Home Loans, operating as Acopia, LLC, is a private residential mortgage lender founded in 2007 and headquartered in Goodlettsville, Tennessee. The company originates purchase mortgages and refinance loans for individual homebuyers and current homeowners primarily across the Southeast United States, operating 14 branch locations staffed by 36 licensed loan originators and holding mortgage lending licenses in 19 states. Acopia is a direct seller-servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, enabling it to underwrite, sell, and service a wide product range including conventional, FHA, VA, USDA, and niche programs with 0%-low down payment and rate buydown options.
The company's technology stack centers on the AcopiaGO mobile application (available on iOS and Android via SimpleNexus integration), which supports prequalification, property search, document scanning, and loan milestone notifications, complemented by a Hybrid E-Closing workflow built on DocuSign electronic signatures and a suite of online mortgage calculators. Acopia also runs the Honoring Our Heroes program targeting veterans, teachers, and first responders, and maintains industry memberships with NAR, NAHB, and MBA. Distribution relies on direct branch sales, online self-serve pre-qualification, the AcopiaGO app, and real estate agent referral partnerships.
Acopia generates revenue primarily through transaction-based mortgage origination fees and recurring loan servicing income on its portfolio. The company was acquired by Lower, a VC-backed mortgage lender, in January 2026, and now operates as Team Acopia within Lower's Southeast division; financial terms of the acquisition were not disclosed.
Acopia Home Loans firmographics
Firmographics- Name
- Acopia Home Loans
- Legal name
- Acopia, LLC
- Website
- https://acopiahomeloans.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Acquired
- Headcount range
- 251–500 employees
- Short description
- Acopia Home Loans is a Tennessee-based residential mortgage lender originating purchase and refinance loans for consumers across the Southeast US through 14 branches and 36 loan originators, operating as a Fannie/Freddie/Ginnie Mae direct seller-servicer with mobile and e-closing technology.
- Ownership category
- akta.pro rank
Acopia Home Loans industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Nondepository Credit Intermediation (5222), Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)
- akta.pro secondary industry
- Rate-and-Term Refinance Origination (FSALAAAE)
Keywords
Where Acopia Home Loans is headquartered
LocationHeadquarters
- HQ city
- Goodlettsville
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Acopia Home Loans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Origination: Revenue generated from originating residential mortgage loans including purchase mortgages and refinances. The company acts as a direct seller servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, generating origination fees and interest income from loan portfolios.
- Loan Servicing: Ongoing servicing revenue from managing existing mortgage portfolios, including collecting payments, managing escrow accounts, and handling customer communications.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | One time/ perpetual license | Conventional mortgage products |
| Transaction based/ take rate | One time/ perpetual license | Low down payment programs |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Acopia Home Loans product offering
Product offeringCore offering
Acopia Home Loans originates and services residential mortgage loans as a Fannie Mae, Freddie Mac, and Ginnie Mae direct seller-servicer, offering conventional, FHA, VA, USDA, and niche loan products to homebuyers and homeowners seeking refinancing. The company delivers these loans through 14 Southeast branch locations staffed by 36 licensed loan originators, supported by the AcopiaGO mobile app, Hybrid E-Closing with DocuSign, online pre-qualification, and mortgage calculators. Specialized programs include the Honoring Our Heroes offering for veterans, teachers, and first responders, plus 0%-low down payment and rate buydown options to address affordability.
Product overview
Acopia Home Loans is a residential mortgage lender offering a unified mortgage services platform centered on its core lending products. The company operates as a Fannie, Freddie, and Ginnie Mae direct seller-servicer, providing a wide array of loan products including conventional, FHA, VA, and niche mortgage programs. The product portfolio includes the AcopiaGO mobile app for loan applications and document management, Hybrid E-Closing for digital mortgage closing, Mortgage Calculators for loan scenario planning, and the Honoring Our Heroes special loan program for veterans, teachers, and first responders. These offerings are designed to provide a streamlined, technology-enhanced home loan experience from prequalification through closing.
Differentiator
Problem solved
Functional benefit
Products and services
- Acopia Home Loans (Residential Mortgage Lending) Residential mortgage lending services offering a wide array of loan products through Fannie Mae, Freddie Mac, and Ginnie Mae direct seller-servicer relationships, including conventional, FHA, VA, USDA, and niche loan programs with 0%-low down payment and rate buydown options. Purchase mortgages and refinances are originated through 14 Southeast branch locations and the AcopiaGO mobile app.
- Honoring Our Heroes Program Specialized mortgage loan program for veterans, teachers, and first responders that offers benefits and assistance, including potentially favorable loan terms and down payment support, targeted at community service professionals.
Quantifiable outcome
- $736,273 contributed through Honoring Our Heroes program
Companies that use Acopia Home Loans
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
Acopia Home Loans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
Acopia Home Loans partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Lower (Lower Mortgage)coreAcopia Home Loans was acquired by Lower, a VC-backed mortgage lender founded in 2014. The acquisition adds more than $425 million in annual production, 14 branch locations, and 36 loan originators to Lower's portfolio. Acopia's team now operates as Team Acopia within Lower's Southeast division, gaining access to expanded product offerings and technology infrastructure. Both companies share values in innovation and operational efficiency.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Acopia Home Loans competitors and assessment
Company assessmentDirect peers
- Lower (Lower Mortgage): Lower is a VC-backed online mortgage lender founded in 2014 that acquired Acopia Home Loans in January 2026. As the parent company and acquirer, Acopia now operates as Team Acopia within Lower's Southeast division, making this the most directly comparable peer in business model and product offering.
- Movement Mortgage: Movement Mortgage is a privately held, mid-sized residential mortgage lender with a similar multi-branch, originator-driven model and a strong presence in the Southeast US. Both companies operate as direct seller-servicers with agency partners and emphasize branch-based relationship lending.
- Fairway Independent Mortgage Corporation: Fairway Independent Mortgage is a privately held, mid-sized residential mortgage lender with branch-based distribution across 40+ states. Both Acopia and Fairway operate multi-branch retail origination models with agency direct seller-servicer relationships and emphasize personalized loan advisor service.
- PrimeLending: PrimeLending is a PlainsCapital Company subsidiary that operates a multi-branch residential mortgage origination platform with strong relationships with real estate agents. Both Acopia and PrimeLending compete in retail mortgage origination with branch-based distribution and comprehensive agency product offerings.
- Guild Mortgage Company: Guild Mortgage is a privately held residential mortgage lender with a multi-branch, retail-oriented model and agency direct seller-servicer relationships. Both Acopia and Guild compete for retail mortgage volume through branch-based loan advisors and digital tools.
- NewRez (formerly New Penn Financial): NewRez is a nonbank mortgage lender offering retail, wholesale, and correspondent channels with agency direct seller-servicer status. Both Acopia and NewRez operate agency direct seller-servicer programs and offer a broad suite of conventional, FHA, VA, and USDA products.
- Caliber Home Loans: Caliber Home Loans is a privately held residential mortgage lender owned by Lone Star Funds. Both Acopia and Caliber operate as direct seller-servicers for the major agencies and offer retail, wholesale, and correspondent origination channels with comparable product breadth.
Broad incumbents
- loanDepot: loanDepot is a large, publicly held nonbank mortgage lender with retail, wholesale, and direct-to-consumer channels. While significantly larger than Acopia, loanDepot competes for the same retail mortgage origination volume and agency-backed product set.
- Rocket Mortgage: Rocket Mortgage is the largest US retail mortgage lender and a subsidiary of Rocket Companies. It is a scaled direct-to-consumer lender competing with Acopia in the same retail mortgage origination category, with a national digital-first brand.
- United Wholesale Mortgage: United Wholesale Mortgage is the largest US wholesale mortgage lender. While Acopia operates primarily in retail channels, UWM competes across the same agency-backed product suite and shapes the broader mortgage origination technology and pricing environment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Acopia Home Loans social profiles
Digital presenceAcopia Home Loans compliance and trust
Trust signalCompliance5 records
Acopia Home Loans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Acopia Home Loans leadership team
Management profileNumber of profiles
Acopia Home Loans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Acopia Home Loans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Acopia Home Loans
What does Acopia Home Loans do?
Acopia Home Loans originates and services residential mortgage loans as a Fannie Mae, Freddie Mac, and Ginnie Mae direct seller-servicer, offering conventional, FHA, VA, USDA, and niche loan products to homebuyers and homeowners seeking refinancing. The company delivers these loans through 14 Southeast branch locations staffed by 36 licensed loan originators, supported by the AcopiaGO mobile app, Hybrid E-Closing with DocuSign, online pre-qualification, and mortgage calculators. Specialized programs include the Honoring Our Heroes offering for veterans, teachers, and first responders, plus 0%-low down payment and rate buydown options to address affordability.
Is Acopia Home Loans a public or private company?
Acopia Home Loans is a private company. It is classified as corporate owned and is currently acquired.
When was Acopia Home Loans founded?
Acopia Home Loans was founded in 2007. It employs 251 to 500 people.
Where is Acopia Home Loans based?
Acopia Home Loans is headquartered in Goodlettsville, United States, in the North America region.
How does Acopia Home Loans make money?
Two revenue lines are on record. Mortgage Origination is the primary driver. The others are loan Servicing.
Who are Acopia Home Loans's main competitors?
Direct peers on record are Lower (Lower Mortgage), Movement Mortgage, Fairway Independent Mortgage Corporation, PrimeLending, Guild Mortgage Company, NewRez (formerly New Penn Financial) and Caliber Home Loans. Broad incumbents are loanDepot, Rocket Mortgage and United Wholesale Mortgage.
Does Acopia Home Loans have an API?
No public API is recorded for Acopia Home Loans.
What industry is Acopia Home Loans in?
Acopia Home Loans's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAI, Government-Insured Mortgage Origination (FHA/VA/USDA), with a secondary code of FSALAAAE, Rate-and-Term Refinance Origination. Its NAICS code is 5222 and its SIC code is 6162.