Robins Financial Mortgage Rates, Fees & Info

Warner Robins, GA

LEI: 549300AUL77A8UKADB04

Tax ID: 58-0641605

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • 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 Purchase loans. Robins Financial has a high proportion of conventional loans. They have a low ratio of USDA 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 an 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) 6.27% 11/21/24
    30 Year Conventional Purchase 6.76% 11/21/24
    30 Year Conventional Refi 6.52% 11/21/24
    30 Year Cash-out Refi 6.76% 11/21/24
    30 Year VA Purchase 6.18% 11/21/24
    30 Year VA Refi 5.46% 11/21/24
    30 Year USDA Purchase 6.27% 11/21/24
    15 Year Conventional Purchase 6.41% 11/21/24
    15 Year Conventional Refi 6.37% 11/21/24
    15 Year Cash-out Refi 6.37% 11/21/24
    15 Year VA Purchase 5.74% 11/21/24
    15 Year VA Refi 5.77% 11/21/24
    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






    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

    1,751

    Origination Dollar Volume (All Markets)

    $149,315,000
    Show all (10) awards

    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) 843 $69,975,000 $83,007 $2,660 4.59%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 500 $43,650,000 $87,300 $2,804 4.54%
    Outside of Metro Areas 137 $10,355,000 $75,584 $2,555 4.52%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 64 $6,430,000 $100,469 $3,431 4.99%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 72 $6,220,000 $86,389 $3,179 4.45%
    Milledgeville, GA (FHA|USDA|VA) 48 $4,590,000 $95,625 $2,730 4.49%
    Dublin, GA (FHA|USDA|VA) 44 $3,960,000 $90,000 $2,679 4.58%
    Jefferson, GA (FHA|USDA|VA) 13 $995,000 $76,538 $2,987 4.40%
    Vidalia, GA (FHA|USDA|VA) 5 $705,000 $141,000 $3,771 4.40%
    COLUMBUS, GA-AL (FHA|USDA|VA) 3 $585,000 $195,000 $3,700 4.13%
    Americus, GA (FHA|USDA|VA) 2 $280,000 $140,000 $2,269 4.63%
    SAVANNAH, GA (FHA|USDA|VA) 4 $260,000 $65,000 $1,971 5.06%
    Statesboro, GA (FHA|USDA|VA) 2 $250,000 $125,000 $2,239 4.38%
    Thomaston, GA (FHA|USDA|VA) 3 $205,000 $68,333 $2,235 4.42%
    St. Marys, GA (FHA|USDA|VA) 2 $190,000 $95,000 $3,197 4.69%
    Tifton, GA (FHA|USDA|VA) 1 $185,000 $185,000 $3,453 4.63%
    VALDOSTA, GA (FHA|USDA|VA) 2 $170,000 $85,000 $3,230 4.63%
    Moultrie, GA (FHA|USDA|VA) 1 $95,000 $95,000 $2,100 4.63%
    Douglas, GA (FHA|USDA|VA) 1 $85,000 $85,000 $2,172 4.50%
    ALBANY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
    Cornelia, GA (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.00%
    ROME, GA (FHA|USDA|VA) 1 $15,000 $15,000 $1,583 4.00%
    Robins Financial's top markets include Warner Robins, Macon, Atlanta, Athens, and Milledgeville among others.

    Their top states include:
  • Georgia (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.

    First American Bank and Trust Company
    Similarity Rank: 360
    First National Bank of Griffin
    Similarity Rank: 592
    GMFS LLC
    Similarity Rank: 594
    Third Federal Savings and Loan Association of Cleveland
    Similarity Rank: 614
    Hamilton State Bank
    Similarity Rank: 1194
    VICTORY MORTGAGE, L.L.C.
    Similarity Rank: 1495
    LGE COMMUNITY
    Similarity Rank: 1960
    Victory Community Bank
    Similarity Rank: 2030
    CREDIT UNION OF GEORGIA
    Similarity Rank: 2366
    East West Bank
    Similarity Rank: 3192

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,746 $148,010,000 $84,771 $2,743 4.57%
    HELOC 4 $1,260,000 $315,000 n/a 6.25%
    USDA 1 $45,000 $45,000 $0 4.00%

    For 2018, Robins Financial's most frequently originated type of loan was Conventional, with 1,746 originations. Their 2nd most popular type was HELOC, with 4 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 539 $74,455,000 $138,135 $2,695 4.58%
    Other 438 $20,150,000 $46,005 $0 4.64%
    Home Improvement 347 $14,265,000 $41,110 $0 4.55%
    Refi 218 $27,190,000 $124,725 $2,904 4.73%
    NA 147 $6,805,000 $46,293 $0 4.17%
    Cash Out Refi 62 $6,450,000 $104,032 $2,773 4.61%

    For 2018, Robins Financial's most frequently cited loan purpose was Home Purchase, with 539 originations. The 2nd most popular reason was Other, with 438 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 853 $40,635,000 $47,638 $0 4.25%
    30 Year 556 $82,950,000 $149,191 $2,802 4.66%
    10 Year 142 $7,950,000 $55,986 $2,429 6.16%
    15 Year 92 $10,310,000 $112,065 $2,672 4.05%
    20 Year 58 $6,070,000 $104,655 $2,582 4.53%
    5 Year 48 $1,330,000 $27,708 $2,030 5.54%
    3 Year 2 $70,000 $35,000 $2,071 5.00%

    For 2018, Robins Financial's most frequently cited loan duration was Other, with 853 originations. The 2nd most popular length was 30 Year, with 556 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 427 $42,055,000 $98,489
    $1k-2k 264 $44,240,000 $167,576
    $2k-3k 40 $11,310,000 $282,750
    $3k-4k 9 $3,435,000 $381,667
    $4k-5k 2 $980,000 $490,000

    Robins Financial's average total fees were $2,802, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 427 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 753 $83,855,000 $111,361
    3-4% 699 $44,895,000 $64,227
    5-6% 125 $13,235,000 $105,880
    6-7% 73 $3,205,000 $43,904
    7-8% 61 $2,225,000 $36,475
    <2.5% 1 $35,000 $35,000

    During 2018, Robins Financial's average interest rate for loans was 4.66%, while their most frequently originated rate bucket for loans was 4-5%, with 753 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,182 $52,910,000 $44,763 $2,115 4.58%
    $100k-200k 446 $62,120,000 $139,283 $2,772 4.53%
    $200k-400k 112 $29,230,000 $260,982 $4,024 4.61%
    $400k-600k 11 $5,055,000 $459,545 $4,786 5.13%

    2018 saw Robins Financial place emphasis on $100,000 or less loans with 1,182 originations, totaling $52,910,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 451 $35,905,000 $79,612 $2,615 4.58%
    $50k or less 383 $26,585,000 $69,413 $2,249 4.46%
    $100k-150k 370 $31,500,000 $85,135 $3,228 4.60%
    $75k-100k 356 $32,910,000 $92,444 $2,966 4.60%
    $150k-250k 143 $15,405,000 $107,727 $3,761 4.52%
    $250k+ 29 $4,055,000 $139,828 $3,629 4.27%

    Robins Financial lent most frequently to those with incomes in the $50k-75k range, with 451 originations. The second most popular income band? $50k or less, with 383 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    >60% 613 $25,915,000 $42,276 $0 4.68%
    20-30% 296 $32,280,000 $109,054 $2,721 4.45%
    <20% 201 $16,415,000 $81,667 $2,710 4.35%
    30-36% 200 $24,960,000 $124,800 $2,849 4.56%
    50-60% 73 $4,795,000 $65,685 $2,418 4.47%
    37% 36 $3,420,000 $95,000 $2,532 4.70%
    40% 34 $5,330,000 $156,765 $3,118 4.61%
    36% 30 $3,520,000 $117,333 $2,327 4.63%
    39% 30 $3,770,000 $125,667 $2,825 4.44%
    42% 30 $3,890,000 $129,667 $2,543 4.60%
    41% 29 $3,495,000 $120,517 $2,699 4.49%
    43% 24 $3,150,000 $131,250 $2,646 4.71%
    38% 24 $2,420,000 $100,833 $2,863 4.34%
    45% 22 $2,790,000 $126,818 $2,620 4.33%
    48% 20 $2,040,000 $102,000 $2,666 4.60%
    49% 19 $2,225,000 $117,105 $3,293 4.64%
    44% 19 $2,175,000 $114,474 $2,794 4.41%
    46% 18 $1,910,000 $106,111 $2,744 4.45%
    47% 15 $2,025,000 $135,000 $2,388 4.46%

    Robins Financial lent most frequently to those with DTI ratios of >60%, with 613 originations. The next most common DTI ratio? 20-30%, with 296 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 981 $98,595,000 $100,505 $2,746 4.55%
    Not provided 489 $24,895,000 $50,910 $2,636 4.49%
    Black 215 $18,595,000 $86,488 $2,702 4.71%
    Not applicable 49 $4,105,000 $83,776 $0 5.28%
    Asian 14 $2,790,000 $199,286 $3,262 4.59%
    American Indian 3 $335,000 $111,667 $2,592 4.29%

    Approval Rates

    Total approvals of all applications
    83.79%

    Robins Financial has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.50%

    Robins Financial has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,751 $149,315,000 $85,274

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $700,000 $350,000
    Single Family (1-4 Units):Manufactured 17 $945,000 $55,588
    Single Family (1-4 Units):Site-Built 1,732 $147,670,000 $85,260

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 343 $17,465,000 $50,918 $2,333 4.47%
    40-60% 163 $12,385,000 $75,982 $2,566 4.54%
    60-80% 255 $32,415,000 $127,118 $2,810 4.56%
    80-100% 480 $69,360,000 $144,500 $2,767 4.59%
    Over 100% 5 $1,685,000 $337,000 $0 5.80%
    Under 20% 408 $11,240,000 $27,549 $2,487 4.65%