# ROBINS FINANCIAL

> **Canonical URL:** https://saferate.com/lenders/robins-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ROBINS FINANCIAL is a credit union, headquartered in Warner Robins, GA, with 355 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300AUL77A8UKADB04
- **Headquarters:** Warner Robins, GA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** GA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.258%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,735
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 355
- **Dollar Volume:** $80 million
- **Applications Received:** 484
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $224,690
- **Average Borrower Income:** $115,163
- **Average Property Value:** $298,155

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 344 | -0.260% | $1,691 | Strong 😀 |
| VA | 54/100 | 10 | -0.106% | $2,662 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 254 loans, Score: 68/100 (Strong)
- Refinance: 90 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 265 | $61M | -0.238% | Strong 😀 |
| Refinance | 67/100 | 90 | $19M | -0.317% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 355 | 0.26% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warner Robins, GA | GA | 147 | 100/100 |
| Macon | GA | 101 | 96/100 |
| Non |  | 66 | 49/100 |
| Atlanta | GA | 20 | 48/100 |

## Where This Lender Ranks

ROBINS FINANCIAL appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Warner Robins, GA
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders)
- 🥇 **#1** in Warner Robins, GA for Conventional Loans
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Warner Robins, GA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Macon
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders)
- 🥇 **#1** in Macon for Conventional Loans
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Warner Robins, GA for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Georgia Credit Unions
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Georgia for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#12** in Georgia
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders)
- 🏆 **#14** in Georgia for Conventional Loans
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in Warner Robins, GA for VA Loans
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does ROBINS FINANCIAL offer?

ROBINS FINANCIAL offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.258% below market average.

### What type of lender is ROBINS FINANCIAL?

ROBINS FINANCIAL is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Warner Robins, GA.

### What is ROBINS FINANCIAL's loan approval success rate?

ROBINS FINANCIAL has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/robins-financial

### How to Cite

> "ROBINS FINANCIAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/robins-financial

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