What loan types does Robins Financial offer?

Robins Financial offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Robins Financial offer mortgages?

Robins Financial offers mortgages in 1 states: GA.

How competitive are Robins Financial's mortgage rates?

Robins Financial has an overall pricing score of 78.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Robins Financial?

Robins Financial is a Credit Union headquartered in Warner Robins, GA.

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Robins Financial

Credit Union•Warner Robins, GAHQ•Direct•Reviews near you on Google

Robins Financial has 355 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · VA

Place

Exceptional

5/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 25.80 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Robins Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 25.8 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

344 loans · 0.26% below market

Strong

Top 40% of lenders

4/5

10 loans · 0.11% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

265 loans · 0.24% below market

Strong

Top 40% of lenders

4/5

Refinance

90 loans · 0.32% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Strong	344	96.9%	-0.260%Below	$1,691Fees
VA Loans	Sound	Sound	—	—	10	2.8%	-0.106%Below	$2,662Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume344

Mix96.9%

Spread

-0.260%Below

Fees

$1,691Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix2.8%

Spread

-0.106%Below

Fees

$2,662Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Strong	265	74.6%	-0.238%Below	$1,720Fees
Refinance	Strong	Strong	Exceptional	Strong	90	25.4%	-0.317%Below	$1,777Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume265

Mix74.6%

Spread

-0.238%Below

Fees

$1,720Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume90

Mix25.4%

Spread

-0.317%Below

Fees

$1,777Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

355

Applications

484

Volume

$79 million

Pricing & Closing

Avg Rate Spread

-0.258%

vs. market APOR

Avg Net Fees

$1,735

Origination − Credits

Pullthrough Rate

73.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$224,690

Avg Borrower Income

$115,163

Avg Property Value

$298,155

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

Warner Robins, GAMetro

Volume 147Mix 41.41% of portfolio

100/100

Exceptional

Macon, GAMetro

Volume 101Mix 28.45% of portfolio

96/100

Exceptional

Atlanta, GAMetro

Volume 20Mix 5.63% of portfolio

48/100

Sound

Top States by Place Specialization Score

GeorgiaState

Volume 355Mix 100.00% of portfolio

80/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.