Robins Financial Mortgage Rates, Fees & Info

Warner Robins, GA

LEI: 549300AUL77A8UKADB04

Tax ID: 58-0641605

5 stars - Updated: 4/5/25 - out of 5 stars, based on 36 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Robins Financial is a smaller mortgage company specializing in Home Improvement and Home Purchase loans. Robins Financial has a high proportion of conventional loans. Their top markets by origination volume include: Warner Robins, Macon, Atlanta, Athens, and Milledgeville among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Robins Financial has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Robins Financial is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.72% 4/5/25
    30 Year Conventional Purchase 6.48% 4/5/25
    30 Year Conventional Refi 6.42% 4/5/25
    30 Year Cash-out Refi 6.24% 4/5/25
    30 Year VA Purchase 6.51% 4/5/25
    30 Year VA Refi 6.72% 4/5/25
    15 Year Conventional Purchase 6.10% 4/5/25
    15 Year Conventional Refi 5.68% 4/5/25
    15 Year Cash-out Refi 5.68% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Robins Financial Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Robins Financial. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,262

    Origination Dollar Volume (All Markets)

    $129,900,000
    Show all (8) awards

    Relative Rate

    Robins Financial's average 30 year fixed mortgage rate was 6.1%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.45%.

    Relative Fees (Closing Costs)

    Robins Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $4,200.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    WARNER ROBINS, GA (FHA|USDA|VA) 552 $56,520,000 $102,391 $4,065 6.43%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 313 $30,795,000 $98,387 $3,910 6.55%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 88 $11,720,000 $133,182 $6,127 6.30%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 88 $8,500,000 $96,591 $6,887 6.46%
    Outside of Metro Areas 97 $7,695,000 $79,330 $3,069 6.70%
    Milledgeville, GA (FHA|USDA|VA) 31 $5,025,000 $162,097 $3,380 6.69%
    Dublin, GA (FHA|USDA|VA) 51 $4,425,000 $86,765 $3,576 6.35%
    Jefferson, GA (FHA|USDA|VA) 9 $1,175,000 $130,556 $0 5.93%
    SAVANNAH, GA (FHA|USDA|VA) 4 $790,000 $197,500 $5,026 6.50%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $680,000 $340,000 $5,360 6.31%
    Americus, GA (FHA|USDA|VA) 1 $355,000 $355,000 $5,850 5.88%
    VALDOSTA, GA (FHA|USDA|VA) 2 $340,000 $170,000 $6,028 6.38%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $330,000 $165,000 $0 7.50%
    Vidalia, GA (FHA|USDA|VA) 4 $320,000 $80,000 $0 0.00%
    Thomaston, GA (FHA|USDA|VA) 4 $310,000 $77,500 $0 0.00%
    Jesup, GA (FHA|USDA|VA) 2 $210,000 $105,000 $3,533 5.37%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $180,000 $45,000 $0 0.00%
    ALBANY, GA (FHA|USDA|VA) 3 $165,000 $55,000 $2,974 6.50%
    Tifton, GA (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
    HINESVILLE, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
    Cordele, GA (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 0.00%
    Robins Financial's top markets include Warner Robins, Macon, Atlanta, Athens, and Milledgeville among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against ROBINS FINANCIAL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    CRESCENT MORTGAGE COMPANY
    Similarity Rank: 80
    VICTORY MORTGAGE, L.L.C.
    Similarity Rank: 960
    AMERICAN HOME MORTGAGE, INC.
    Similarity Rank: 960
    First American Bank and Trust Company
    Similarity Rank: 1269
    SANCTUARY HOME MORTGAGE LLC
    Similarity Rank: 1450
    South Pacific Financial Corporation
    Similarity Rank: 2183
    ROBINS FINANCIAL
    Similarity Rank: 2323
    Credence Funding Corporation
    Similarity Rank: 2448
    PEACH STATE FEDERAL CREDIT UNION
    Similarity Rank: 2788
    COCA-COLA
    Similarity Rank: 3360

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,053 $84,145,000 $79,910 n/a 6.78%
    Conventional 207 $45,165,000 $218,188 $4,021 6.25%
    VA 2 $590,000 $295,000 $14,118 5.94%

    For 2024, Robins Financial's most frequently originated type of loan was HELOC, with 1,053 originations. Their 2nd most popular type was Conventional, with 207 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 708 $57,630,000 $81,398 $0 6.58%
    Other 328 $25,130,000 $76,616 $0 7.33%
    Home Purchase 148 $34,370,000 $232,230 $4,277 6.24%
    Refi 43 $7,395,000 $171,977 $3,603 6.50%
    Cash Out Refi 29 $4,925,000 $169,828 $3,921 6.05%
    NA 6 $450,000 $75,000 $0 8.50%

    For 2024, Robins Financial's most frequently cited loan purpose was Home Improvement, with 708 originations. The 2nd most popular reason was Other, with 328 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 1,060 $85,300,000 $80,472 $3,403 6.68%
    30 Year 158 $35,820,000 $226,709 $4,200 6.10%
    5 Year 19 $4,015,000 $211,316 $3,336 7.20%
    10 Year 6 $770,000 $128,333 $1,697 6.88%
    1 Year 6 $2,240,000 $373,333 $0 7.29%
    20 Year 5 $865,000 $173,000 $4,643 5.65%
    Other 5 $415,000 $83,000 $0 7.82%
    3 Year 3 $475,000 $158,333 $0 7.42%

    For 2024, Robins Financial's most frequently cited loan duration was 15 Year, with 1,060 originations. The 2nd most popular length was 30 Year, with 158 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 75 $14,665,000 $195,533
    $<1k 55 $7,375,000 $134,091
    $2k-3k 29 $9,305,000 $320,862
    $3k-4k 8 $2,710,000 $338,750
    $5k+ 7 $2,935,000 $419,286
    $4k-5k 4 $1,730,000 $432,500

    Robins Financial's average total fees were $4,200, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 75 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 105 $10,735,000 $102,238
    6-7% 103 $22,965,000 $222,961
    5-6% 73 $15,565,000 $213,219
    4-5% 62 $7,080,000 $114,194
    Over 8% 19 $1,305,000 $68,684

    During 2024, Robins Financial's average interest rate for loans was 6.10%, while their most frequently originated rate bucket for loans was 7-8%, with 105 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 780 $43,420,000 $55,667 $2,561 6.76%
    $100k-200k 358 $47,170,000 $131,760 $3,262 6.36%
    $200k-400k 106 $28,320,000 $267,170 $4,999 6.20%
    $400k-600k 9 $4,155,000 $461,667 $4,126 6.53%
    $600k-1MM 8 $5,300,000 $662,500 $9,276 5.69%
    $1MM+ 1 $1,535,000 $1,535,000 $0 6.75%

    2024 saw Robins Financial place emphasis on $100,000 or less loans with 780 originations, totaling $43,420,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 356 $37,490,000 $105,309 $4,566 6.42%
    $150k-250k 239 $29,585,000 $123,787 $4,590 6.22%
    $50k-75k 230 $16,520,000 $71,826 $3,170 6.41%
    $75k-100k 230 $20,090,000 $87,348 $3,367 6.54%
    $50k or less 113 $6,195,000 $54,823 $2,538 6.47%
    $250k+ 65 $12,785,000 $196,692 $8,650 6.46%

    Robins Financial lent most frequently to those with incomes in the $100k-150k range, with 356 originations. The second most popular income band? $150k-250k, with 239 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 272 $28,180,000 $103,603 $3,843 6.28%
    30-36% 228 $25,040,000 $109,825 $4,697 6.36%
    42% 185 $14,745,000 $79,703 $3,247 6.86%
    <20% 124 $10,850,000 $87,500 $3,340 6.16%
    41% 63 $6,675,000 $105,952 $4,154 6.84%
    40% 60 $6,540,000 $109,000 $5,268 6.74%
    39% 48 $5,610,000 $116,875 $5,407 6.61%
    37% 44 $5,120,000 $116,364 $4,296 6.42%
    38% 40 $4,210,000 $105,250 $4,663 6.55%
    43% 40 $3,400,000 $85,000 $3,709 6.03%
    36% 38 $3,230,000 $85,000 $3,329 6.76%
    44% 29 $2,905,000 $100,172 $3,298 5.97%
    46% 18 $1,510,000 $83,889 $3,981 6.03%
    45% 11 $1,145,000 $104,091 $3,201 5.41%
    49% 7 $1,345,000 $192,143 $5,573 5.25%
    48% 6 $510,000 $85,000 $3,071 5.87%
    47% 6 $590,000 $98,333 $2,999 6.50%
    50-60% 5 $525,000 $105,000 $5,241 5.63%
    >60% 1 $25,000 $25,000 $0 0.00%

    Robins Financial lent most frequently to those with DTI ratios of 20-30%, with 272 originations. The next most common DTI ratio? 30-36%, with 228 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 864 $88,610,000 $102,558 $4,003 6.47%
    Black 239 $20,215,000 $84,582 $4,607 6.37%
    Not provided 113 $11,015,000 $97,478 $3,963 6.30%
    Not applicable 27 $6,905,000 $255,741 $0 7.17%
    Asian 17 $3,005,000 $176,765 $6,152 5.64%
    American Indian 1 $115,000 $115,000 $0 0.00%
    Native Hawaiian or Islander 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    67.73%

    Robins Financial has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    82.96%

    Robins Financial has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 4 $190,000 $47,500
    NA 1,258 $129,710,000 $103,108

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,262 $129,900,000 $102,932

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 483 $41,485,000 $85,890 $3,292 6.55%
    40-60% 183 $22,645,000 $123,743 $3,459 6.43%
    60-80% 124 $23,770,000 $191,694 $4,256 6.46%
    80-100% 103 $24,375,000 $236,650 $4,309 6.13%
    Over 100% 1 $265,000 $265,000 $10,947 5.50%
    Under 20% 368 $17,360,000 $47,174 $2,853 6.97%