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

Jump to:

  • 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 Refi 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 25 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

    2,238

    Origination Dollar Volume (All Markets)

    $275,300,000
    Show all (8) 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) 990 $117,100,000 $118,283 $2,834 3.45%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 615 $77,815,000 $126,528 $3,113 3.42%
    Outside of Metro Areas 186 $19,810,000 $106,505 $2,830 3.41%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 117 $17,925,000 $153,205 $3,545 3.36%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 126 $16,200,000 $128,571 $3,437 3.61%
    Milledgeville, GA (FHA|USDA|VA) 69 $8,495,000 $123,116 $3,019 3.42%
    Dublin, GA (FHA|USDA|VA) 63 $7,275,000 $115,476 $2,979 3.47%
    Jefferson, GA (FHA|USDA|VA) 20 $2,730,000 $136,500 $3,484 3.57%
    Vidalia, GA (FHA|USDA|VA) 7 $1,195,000 $170,714 $3,518 3.38%
    Cordele, GA (FHA|USDA|VA) 6 $1,170,000 $195,000 $3,210 2.75%
    SAVANNAH, GA (FHA|USDA|VA) 5 $1,125,000 $225,000 $4,468 2.85%
    ALBANY, GA (FHA|USDA|VA) 4 $670,000 $167,500 $3,305 3.28%
    BRUNSWICK, GA (FHA|USDA|VA) 4 $670,000 $167,500 $3,666 3.47%
    Statesboro, GA (FHA|USDA|VA) 3 $625,000 $208,333 $3,979 2.75%
    COLUMBUS, GA-AL (FHA|USDA|VA) 3 $525,000 $175,000 $4,396 3.79%
    VALDOSTA, GA (FHA|USDA|VA) 3 $515,000 $171,667 $3,466 3.17%
    Thomaston, GA (FHA|USDA|VA) 5 $465,000 $93,000 $3,369 4.11%
    Americus, GA (FHA|USDA|VA) 3 $265,000 $88,333 $2,520 3.25%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $220,000 $110,000 $2,616 3.56%
    St. Marys, GA (FHA|USDA|VA) 2 $170,000 $85,000 $2,492 2.69%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,035 3.00%
    Toccoa, GA (FHA|USDA|VA) 1 $115,000 $115,000 $2,914 3.00%
    Waycross, GA (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.25%
    ROME, GA (FHA|USDA|VA) 1 $35,000 $35,000 $2,350 3.75%
    Bainbridge, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 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)
  • (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.

    Emory Alliance Credit Union
    Similarity Rank: 855
    Platinum Home Mortgage Corporation
    Similarity Rank: 894
    SANCTUARY HOME MORTGAGE LLC
    Similarity Rank: 932
    Credence Funding Corporation
    Similarity Rank: 1560
    AMERICAN HOME MORTGAGE, INC.
    Similarity Rank: 1792
    First Reliance Bank
    Similarity Rank: 2166
    COCA-COLA
    Similarity Rank: 2496
    Kwik Mortgage Corporation
    Similarity Rank: 3026
    Queensborough National Bank & Trust Company
    Similarity Rank: 3266
    LOANSNAP, INC.
    Similarity Rank: 3318

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,578 $242,940,000 $153,954 $3,014 3.16%
    HELOC 660 $32,360,000 $49,030 n/a 4.11%

    For 2020, Robins Financial's most frequently originated type of loan was Conventional, with 1,578 originations. Their 2nd most popular type was HELOC, with 660 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 804 $119,710,000 $148,893 $3,006 2.93%
    Home Purchase 515 $83,645,000 $162,417 $2,904 3.14%
    Home Improvement 418 $19,330,000 $46,244 $0 4.32%
    Other 271 $12,665,000 $46,734 $0 4.53%
    Cash Out Refi 230 $39,950,000 $173,696 $3,281 2.99%

    For 2020, Robins Financial's most frequently cited loan purpose was Refi, with 804 originations. The 2nd most popular reason was Home Purchase, with 515 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 743 $130,345,000 $175,431 $3,085 3.17%
    Other 690 $33,740,000 $48,899 $0 4.12%
    15 Year 465 $70,445,000 $151,495 $2,979 2.60%
    10 Year 167 $14,625,000 $87,575 $2,512 4.30%
    20 Year 150 $24,800,000 $165,333 $3,085 3.03%
    5 Year 23 $1,345,000 $58,478 $2,830 5.11%

    For 2020, Robins Financial's most frequently cited loan duration was 30 Year, with 743 originations. The 2nd most popular length was Other, with 690 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 753 $125,955,000 $167,271
    $<1k 508 $50,050,000 $98,524
    $2k-3k 165 $49,025,000 $297,121
    $3k-4k 28 $11,650,000 $416,071
    $4k-5k 1 $515,000 $515,000

    Robins Financial's average total fees were $3,085, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 753 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 950 $97,160,000 $102,274
    2.5-3% 646 $110,460,000 $170,991
    <2.5% 347 $52,365,000 $150,908
    4-5% 201 $11,625,000 $57,836
    7-8% 40 $1,490,000 $37,250
    6-7% 32 $1,290,000 $40,313
    5-6% 21 $885,000 $42,143

    During 2020, Robins Financial's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 3-4%, with 950 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,012 $50,760,000 $50,158 $2,162 3.96%
    $100k-200k 858 $123,090,000 $143,462 $2,820 3.02%
    $200k-400k 347 $91,915,000 $264,885 $4,049 2.98%
    $400k-600k 21 $9,535,000 $454,048 $5,618 2.82%

    2020 saw Robins Financial place emphasis on $100,000 or less loans with 1,012 originations, totaling $50,760,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 561 $76,325,000 $136,052 $3,319 3.44%
    $50k-75k 538 $54,620,000 $101,524 $2,683 3.45%
    $75k-100k 476 $56,660,000 $119,034 $3,008 3.51%
    $50k or less 315 $26,865,000 $85,286 $2,372 3.32%
    $150k-250k 272 $45,780,000 $168,309 $3,738 3.43%
    $250k+ 65 $13,605,000 $209,308 $4,171 3.31%

    Robins Financial lent most frequently to those with incomes in the $100k-150k range, with 561 originations. The second most popular income band? $50k-75k, with 538 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 761 $93,755,000 $123,200 $3,016 3.45%
    <20% 683 $70,585,000 $103,346 $2,885 3.50%
    30-36% 383 $49,765,000 $129,935 $3,002 3.46%
    37% 56 $8,420,000 $150,357 $3,099 3.31%
    38% 53 $7,735,000 $145,943 $3,064 3.40%
    36% 49 $6,895,000 $140,714 $3,131 3.47%
    40% 41 $5,335,000 $130,122 $2,964 3.45%
    39% 33 $4,845,000 $146,818 $3,206 3.26%
    44% 32 $4,770,000 $149,063 $3,318 3.21%
    42% 28 $3,810,000 $136,071 $2,921 2.94%
    41% 27 $4,445,000 $164,630 $3,302 3.13%
    43% 25 $4,225,000 $169,000 $3,087 3.27%
    45% 18 $3,120,000 $173,333 $3,254 2.87%
    48% 13 $1,795,000 $138,077 $3,050 2.88%
    47% 8 $1,130,000 $141,250 $3,460 3.61%
    46% 8 $1,810,000 $226,250 $4,004 2.86%
    49% 7 $1,365,000 $195,000 $3,481 2.64%
    50-60% 2 $240,000 $120,000 $1,805 4.19%
    >60% 1 $85,000 $85,000 $2,526 2.63%

    Robins Financial lent most frequently to those with DTI ratios of 20-30%, with 761 originations. The next most common DTI ratio? <20%, with 683 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,592 $207,150,000 $130,119 $3,010 3.33%
    Black 284 $35,350,000 $124,472 $3,014 3.38%
    Not provided 283 $19,735,000 $69,735 $2,880 4.14%
    Asian 48 $8,440,000 $175,833 $3,226 3.01%
    Not applicable 10 $1,170,000 $117,000 $0 4.60%
    American Indian 5 $905,000 $181,000 $3,188 2.70%
    Asian Indian 5 $865,000 $173,000 $3,209 2.98%
    Native Hawaiian or Islander 4 $480,000 $120,000 $2,876 3.13%
    Other Asian 1 $445,000 $445,000 $6,127 2.88%
    Filipino 2 $310,000 $155,000 $3,736 4.94%
    Guamanian 1 $205,000 $205,000 $2,668 2.63%
    Vietnamese 1 $125,000 $125,000 $2,441 2.75%
    Other Pacific Islander 1 $75,000 $75,000 $1,963 2.13%
    Chinese 1 $45,000 $45,000 $0 4.00%

    Approval Rates

    Total approvals of all applications
    83.96%

    Robins Financial has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    86.51%

    Robins Financial has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,238 $275,300,000 $123,012

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $225,000 $225,000
    Single Family (1-4 Units):Manufactured 11 $965,000 $87,727
    Single Family (1-4 Units):Site-Built 2,226 $274,110,000 $123,140

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 338 $19,940,000 $58,994 $2,416 4.11%
    40-60% 307 $36,265,000 $118,127 $2,723 3.09%
    60-80% 612 $104,470,000 $170,703 $3,214 2.95%
    80-100% 609 $102,975,000 $169,089 $2,992 3.11%
    Over 100% 2 $380,000 $190,000 $0 4.63%
    Under 20% 369 $11,215,000 $30,393 $2,679 4.46%