{
  "canonical_url": "https://lendb.ai/lender/acopia-llc-4664",
  "summary": "Acopia, LLC (company NMLS 4664) is a mortgage lender. LenDb lists 1 of its loan officers, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 4664,
    "slug": "acopia-llc-4664",
    "canonical_url": "https://lendb.ai/lender/acopia-llc-4664",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/4664",
    "name": {
      "value": "Acopia, LLC",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "other",
    "website": null,
    "lo_directory_url": null,
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-03",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0.001,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 1497,
          "by_loan_type": {
            "conventional": 780,
            "fha": 566,
            "va": 126,
            "usda": 25
          },
          "purchase": 1428,
          "refinance": 49,
          "other_purpose": 20,
          "jumbo": 6,
          "investor": 17,
          "volume_usd": 391535000
        },
        {
          "year": 2024,
          "loans": 1833,
          "by_loan_type": {
            "conventional": 1048,
            "fha": 607,
            "va": 142,
            "usda": 36
          },
          "purchase": 1748,
          "refinance": 50,
          "other_purpose": 35,
          "jumbo": 7,
          "investor": 64,
          "volume_usd": 488905000
        }
      ],
      "top_states": [
        {
          "state": "GA",
          "loans": 628
        },
        {
          "state": "SC",
          "loans": 364
        },
        {
          "state": "AL",
          "loans": 134
        },
        {
          "state": "TN",
          "loans": 123
        },
        {
          "state": "MS",
          "loans": 86
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 1,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "loan_officers": [
    {
      "nmls_id": 1892617,
      "slug": "franklin-johnson-1892617",
      "full_name": "Franklin Johnson",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/franklin-johnson-1892617"
    }
  ]
}