Robins Financial Mortgage Rates, Fees & Info
Warner Robins, GALEI: 549300AUL77A8UKADB04
Tax ID: 58-0641605
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Mortgage Data
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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Macon, Warner Robins, Athens, Atlanta, 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 relatively high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
Home Equity Line of Credit (HELOC) | 6.27% | 12/7/24 |
30 Year Conventional Purchase | 6.76% | 12/7/24 |
30 Year Conventional Refi | 6.52% | 12/7/24 |
30 Year Cash-out Refi | 6.76% | 12/7/24 |
30 Year VA Purchase | 6.18% | 12/7/24 |
30 Year VA Refi | 5.46% | 12/7/24 |
30 Year USDA Purchase | 6.27% | 12/7/24 |
15 Year Conventional Purchase | 6.41% | 12/7/24 |
15 Year Conventional Refi | 6.37% | 12/7/24 |
15 Year Cash-out Refi | 6.37% | 12/7/24 |
15 Year VA Purchase | 5.74% | 12/7/24 |
15 Year VA Refi | 5.77% | 12/7/24 |
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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,421Origination Dollar Volume (All Markets)
$156,225,000ROBINS FINANCIAL - 2023
ROBINS FINANCIAL is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Robins Financial's average 30 year fixed mortgage rate was
5.49%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.99%.
Relative Fees (Closing Costs)
Robins Financial's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,996.
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 $9,089.
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 |
---|---|---|---|---|---|
MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 392 | $57,900,000 | $147,704 | $3,866 | 6.60% |
WARNER ROBINS, GA (FHA|USDA|VA) | 589 | $53,245,000 | $90,399 | $3,756 | 6.80% |
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 113 | $13,225,000 | $117,035 | $4,373 | 7.08% |
Outside of Metro Areas | 119 | $11,245,000 | $94,496 | $4,255 | 6.53% |
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 87 | $9,935,000 | $114,195 | $5,485 | 6.92% |
Milledgeville, GA (FHA|USDA|VA) | 36 | $3,510,000 | $97,500 | $4,157 | 6.78% |
Dublin, GA (FHA|USDA|VA) | 35 | $2,075,000 | $59,286 | $2,797 | 7.55% |
Jefferson, GA (FHA|USDA|VA) | 16 | $1,360,000 | $85,000 | $4,431 | 7.58% |
Thomaston, GA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,705 | 6.13% |
Cordele, GA (FHA|USDA|VA) | 5 | $435,000 | $87,000 | $2,759 | 5.44% |
Vidalia, GA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $3,133 | 6.32% |
SAVANNAH, GA (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $5,389 | 7.23% |
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $3,204 | 5.63% |
LaGrange, GA-AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,056 | 6.50% |
Tifton, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,389 | 4.25% |
HINESVILLE, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,820 | 7.13% |
Statesboro, GA (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 0.00% |
VALDOSTA, GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,320 | 4.25% |
Americus, GA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 8.00% |
COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
GAINESVILLE, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
DALTON, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Toccoa, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
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.
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Product Mix
For 2023, Robins Financial's most frequently originated type of loan was HELOC, with 1,093 originations. Their 2nd most popular type was Conventional, with 319 originations.
Loan Reason
For 2023, Robins Financial's most frequently cited loan purpose was Home Improvement, with 751 originations. The 2nd most popular reason was Other, with 340 originations.
Loan Duration/Length
For 2023, Robins Financial's most frequently cited loan duration was 15 Year, with 1,103 originations. The 2nd most popular length was 30 Year, with 244 originations.
Origination Fees/Closing Costs
Robins Financial's average total fees were $3,996, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 122 originations.
Interest Rates
During 2023, Robins Financial's average interest rate for loans was 5.49%, while their most frequently originated rate bucket for loans was 7-8%, with 237 originations.
Loan Sizing
2023 saw Robins Financial place emphasis on $100,000 or less loans with 970 originations, totaling $48,850,000 in origination value.
Applicant Income
Robins Financial lent most frequently to those with incomes in the $100k-150k range, with 341 originations. The second most popular income band? $50k-75k, with 301 originations.
Applicant Debt to Income Ratio
Robins Financial lent most frequently to those with DTI ratios of 20-30%, with 359 originations. The next most common DTI ratio? 30-36%, with 292 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications67.03%
Robins Financial has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination84.73%
Robins Financial has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 1,421 | $156,225,000 | $109,940 |