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 Home Purchase and Refi loans. Robins Financial has a high proportion of conventional loans. Their top markets by origination volume include: Warner Robins, Macon, Atlanta, Athens, and Dublin among others. We have data for 22 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% 4/22/24
    30 Year Conventional Purchase 6.76% 4/22/24
    30 Year Conventional Refi 6.52% 4/22/24
    30 Year Cash-out Refi 6.76% 4/22/24
    30 Year VA Purchase 6.18% 4/22/24
    30 Year VA Refi 5.46% 4/22/24
    30 Year USDA Purchase 6.27% 4/22/24
    15 Year Conventional Purchase 6.41% 4/22/24
    15 Year Conventional Refi 6.37% 4/22/24
    15 Year Cash-out Refi 6.37% 4/22/24
    15 Year VA Purchase 5.74% 4/22/24
    15 Year VA Refi 5.77% 4/22/24
    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

    1,405

    Origination Dollar Volume (All Markets)

    $183,295,000

    Awards

    ROBINS FINANCIAL 30 Year Conventional Loans gold ROBINS FINANCIAL 30 Year Conventional Loans gold ROBINS FINANCIAL 30 Year Conventional Loans gold
    Show all (3) 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) 640 $73,360,000 $114,625 $2,942 3.67%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 385 $63,075,000 $163,831 $3,003 3.54%
    Outside of Metro Areas 114 $12,950,000 $113,596 $2,853 3.35%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 78 $10,220,000 $131,026 $3,627 3.88%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 61 $6,535,000 $107,131 $3,602 3.77%
    Dublin, GA (FHA|USDA|VA) 50 $5,750,000 $115,000 $3,001 3.64%
    Milledgeville, GA (FHA|USDA|VA) 38 $5,340,000 $140,526 $3,632 3.54%
    Jefferson, GA (FHA|USDA|VA) 8 $1,160,000 $145,000 $3,461 3.63%
    BRUNSWICK, GA (FHA|USDA|VA) 4 $920,000 $230,000 $5,301 3.41%
    SAVANNAH, GA (FHA|USDA|VA) 6 $920,000 $153,333 $3,315 3.06%
    Tifton, GA (FHA|USDA|VA) 3 $455,000 $151,667 $4,075 2.67%
    Cordele, GA (FHA|USDA|VA) 2 $420,000 $210,000 $5,590 4.06%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $400,000 $200,000 $3,678 3.50%
    Statesboro, GA (FHA|USDA|VA) 2 $370,000 $185,000 $3,304 3.31%
    Vidalia, GA (FHA|USDA|VA) 2 $290,000 $145,000 $2,623 3.63%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $275,000 $275,000 $4,123 2.50%
    Thomaston, GA (FHA|USDA|VA) 3 $245,000 $81,667 $2,763 3.71%
    Americus, GA (FHA|USDA|VA) 1 $205,000 $205,000 $4,025 3.88%
    COLUMBUS, GA-AL (FHA|USDA|VA) 2 $150,000 $75,000 $2,816 3.69%
    Thomasville, GA (FHA|USDA|VA) 1 $115,000 $115,000 $3,082 3.50%
    ROME, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.00%
    ALBANY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $1,602 3.00%
    Robins Financial's top markets include Warner Robins, Macon, Atlanta, Athens, and Dublin 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.

    Emory Alliance Credit Union
    Similarity Rank: 305
    Credence Funding Corporation
    Similarity Rank: 707
    Platinum Home Mortgage Corporation
    Similarity Rank: 978
    AMERICAN HOME MORTGAGE, INC.
    Similarity Rank: 1218
    Queensborough National Bank & Trust Company
    Similarity Rank: 1950
    Aurora Financial, LLC
    Similarity Rank: 2263
    POWERCO
    Similarity Rank: 2296
    CDC Federal Credit Union
    Similarity Rank: 2496
    First American Bank and Trust Company
    Similarity Rank: 2600
    LGE COMMUNITY
    Similarity Rank: 2755

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 950 $159,360,000 $167,747 $3,012 3.44%
    HELOC 446 $22,160,000 $49,686 n/a 4.01%
    VA 9 $1,775,000 $197,222 $6,021 2.43%

    For 2021, Robins Financial's most frequently originated type of loan was Conventional, with 950 originations. Their 2nd most popular type was HELOC, with 446 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 375 $17,645,000 $47,053 $0 4.36%
    Home Purchase 358 $63,490,000 $177,346 $3,107 3.20%
    Refi 330 $62,810,000 $190,333 $2,918 3.03%
    Cash Out Refi 187 $31,685,000 $169,439 $3,134 3.19%
    Other 154 $7,610,000 $49,416 $0 4.51%
    NA 1 $55,000 $55,000 $0 4.00%

    For 2021, Robins Financial's most frequently cited loan purpose was Home Improvement, with 375 originations. The 2nd most popular reason was Home Purchase, with 358 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 662 $51,950,000 $78,474 $2,933 3.56%
    30 Year 505 $89,675,000 $177,574 $3,140 3.30%
    10 Year 101 $14,395,000 $142,525 $2,410 4.93%
    20 Year 85 $12,855,000 $151,235 $3,038 3.10%
    5 Year 31 $845,000 $27,258 $0 5.59%
    Other 21 $13,575,000 $646,429 $0 5.59%

    For 2021, Robins Financial's most frequently cited loan duration was 15 Year, with 662 originations. The 2nd most popular length was 30 Year, with 505 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 413 $72,605,000 $175,799
    $<1k 339 $32,845,000 $96,888
    $2k-3k 78 $23,070,000 $295,769
    $3k-4k 12 $4,900,000 $408,333
    $4k-5k 2 $950,000 $475,000
    $5k+ 1 $1,545,000 $1,545,000

    Robins Financial's average total fees were $3,140, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 413 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 867 $115,325,000 $133,016
    2.5-3% 319 $48,225,000 $151,176
    <2.5% 102 $13,980,000 $137,059
    6-7% 66 $2,590,000 $39,242
    4-5% 22 $2,300,000 $104,545
    5-6% 21 $585,000 $27,857
    7-8% 8 $290,000 $36,250

    During 2021, Robins Financial's average interest rate for loans was 3.30%, while their most frequently originated rate bucket for loans was 3-4%, with 867 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 720 $35,760,000 $49,667 $2,248 4.01%
    $100k-200k 460 $66,550,000 $144,674 $2,847 3.22%
    $200k-400k 210 $54,150,000 $257,857 $3,940 3.16%
    $400k-600k 11 $4,845,000 $440,455 $6,859 2.93%
    $1MM+ 4 $21,990,000 $5,497,500 $22,339 3.71%

    2021 saw Robins Financial place emphasis on $100,000 or less loans with 720 originations, totaling $35,760,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 378 $39,870,000 $105,476 $2,751 3.55%
    $100k-150k 325 $41,905,000 $128,938 $3,402 3.68%
    $75k-100k 271 $30,625,000 $113,007 $3,039 3.63%
    $50k or less 218 $18,310,000 $83,991 $2,464 3.44%
    $150k-250k 178 $24,820,000 $139,438 $3,964 3.83%
    $250k+ 26 $6,550,000 $251,923 $5,829 3.42%

    Robins Financial lent most frequently to those with incomes in the $50k-75k range, with 378 originations. The second most popular income band? $100k-150k, with 325 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 462 $57,580,000 $124,632 $3,116 3.54%
    30-36% 279 $31,315,000 $112,240 $2,969 3.66%
    <20% 267 $27,995,000 $104,850 $2,823 3.48%
    39% 45 $5,155,000 $114,556 $3,087 3.66%
    41% 38 $5,810,000 $152,895 $3,899 3.78%
    38% 37 $3,825,000 $103,378 $3,156 3.93%
    37% 35 $3,615,000 $103,286 $2,697 3.83%
    43% 31 $3,995,000 $128,871 $3,205 3.68%
    36% 31 $2,705,000 $87,258 $3,314 4.03%
    44% 30 $3,140,000 $104,667 $2,931 3.88%
    42% 29 $4,025,000 $138,793 $3,208 3.38%
    40% 24 $2,850,000 $118,750 $3,025 3.92%
    46% 21 $2,815,000 $134,048 $3,162 3.32%
    45% 19 $2,345,000 $123,421 $3,353 3.64%
    47% 18 $1,990,000 $110,556 $2,800 3.45%
    48% 15 $1,825,000 $121,667 $3,173 3.53%
    49% 9 $975,000 $108,333 $3,258 3.93%
    50-60% 4 $230,000 $57,500 $0 4.00%
    >60% 3 $135,000 $45,000 $2,347 4.67%

    Robins Financial lent most frequently to those with DTI ratios of 20-30%, with 462 originations. The next most common DTI ratio? 30-36%, with 279 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,018 $119,800,000 $117,682 $3,069 3.57%
    Black 227 $23,265,000 $102,489 $2,790 3.66%
    Not applicable 4 $20,520,000 $5,130,000 $0 4.18%
    Not provided 131 $16,275,000 $124,237 $3,250 3.92%
    Asian 24 $3,410,000 $142,083 $3,054 3.20%
    American Indian 1 $25,000 $25,000 $0 4.00%

    Approval Rates

    Total approvals of all applications
    77.64%

    Robins Financial has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    86.69%

    Robins Financial has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,405 $183,295,000 $130,459

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,405 $183,295,000 $130,459

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 198 $12,850,000 $64,899 $2,343 4.01%
    40-60% 193 $21,985,000 $113,912 $2,869 3.24%
    60-80% 365 $76,185,000 $208,726 $3,219 3.17%
    80-100% 321 $59,845,000 $186,433 $2,985 3.23%
    Over 100% 1 $405,000 $405,000 $15,788 2.38%
    Under 20% 321 $11,135,000 $34,688 $2,341 4.50%