Robins Financial mortgage approval rate & lending review
Robins Financial decided 3,029 mortgage applications and funded 2,113 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Robins Financial reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Robins Financial at a glance
Approval is 7.9 points above the 68.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 602 / 623 | 91% | $205K | 549 |
| Home improvement loans | 70% | 1,487 / 2,113 | 90% | $65K | 1,339 |
| Cash-out refinance | 80% | 105 / 132 | 97% | $175K | 102 |
| Refinance | 75% | 59 / 79 | 95% | $145K | 56 |
| Investment property purchase | 97% | 38 / 39 | 97% | $155K | 37 |
Robins Financial lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 77% | $65K | 3,014 | 2,111 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Robins Financial lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Houston County, GA | Home improvement loans | 74% | 1,268 | 846 |
| Bibb County, GA | Home improvement loans | 64% | 573 | 339 |
| Houston County, GA | Mortgage lenders | 98% | 361 | 329 |
| Bibb County, GA | Mortgage lenders | 94% | 181 | 155 |
| Clarke County, GA | Home improvement loans | 75% | 81 | 56 |
| Houston County, GA | Cash-out refinance | 82% | 67 | 54 |
| Bibb County, GA | Cash-out refinance | 78% | 49 | 37 |
| Houston County, GA | Refinance | 67% | 46 | 30 |
| Bibb County, GA | Refinance | 87% | 23 | 19 |
| Houston County, GA | Investment property purchase | 95% | 21 | 19 |
| Walton County, GA | Home improvement loans | 90% | 20 | 16 |
| Gwinnett County, GA | Home improvement loans | 75% | 20 | 12 |
The county markets where Robins Financial made the most loans. Each link opens that market with every lender ranked.
Questions about Robins Financial
What is Robins Financial's mortgage approval rate?
Robins Financial approved 76.7% of the 3,029 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.9 points above the 68.8% national rate for the same mix of loan types.
How often do borrowers take the loan Robins Financial offers?
Borrowers accepted 91% of the loans Robins Financial approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Robins Financial make?
The typical home improvement loan loan Robins Financial made was $65K; across all loan types its typical loan ran from $65K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Robins Financial lend?
Robins Financial decided applications in 11 of the states Fat Boy Data covers, most of them in Georgia, Florida and California.
Can I apply to Robins Financial directly?
Yes. Robins Financial is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Robins Financial's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Robins Financial treats applications, then get a rate quote from the lender.