Lower Acquires Acopia Home Loans, Expands In The Southeast

Multichannel mortgage lender Lower announced on Wednesday that it has acquired Acopia Home Loans, expanding its footprint across the Southeast and adding more than $425 million in annual loan production.

The acquisition brings 14 branch locations and 36 mortgage originators to Lower, which describes itself as one of the fastest-growing, fintech-driven homeownership platforms.

The deal follows a period of rapid expansion for Lower, including the launch of a West Coast division in December led by Gino Fronti as the company continues to invest in geographic growth and talent across the country.

The company also announced an acquisition of real estate portal Movoto from parent company OJO Labs in May 2025 and software company Neat Labs at the tail end of 2024.

Founded in 2007, Acopia Home Loans is described as an “independent mortgage banking company headquartered in the Greater Nashville Metropolitan community of Goodlettsville, Tenn.,” according to a press release. The company operates across 12 Southeast states and has built its business around local partnerships and a service-oriented approach.

“The future just got even brighter for our team. I firmly believe we have something special in our people, and folks who know us well would agree,” said Joey Davidson, president of Acopia Home Loans.

“I remain amazed that we were able to find a company that aligned so well with our values and vision. The team at Lower continues to impress day after day and has made our transition almost seamless. We are very thankful and excited to be a part of the Lower family.”

“We’re excited to welcome Team Acopia and continue to build on the legacy Joey and his team have established over the past two decades,” Lower co-founder Mike Baynes said. “Their strong relationships and reputation align with our vision to create the leading homeownership platform for originators and consumers, empowering more people to build wealth through homeownership. Together, we see a significant opportunity to accelerate our shared momentum.”

Lower said the acquisition will provide Acopia with expanded product offerings, greater operational efficiency, and access to technology and artificial intelligence tools. Following the acquisition, Acopia Home Loans employees will join Lower and operate as Team Acopia within Lower’s Southeast division.