Purchase Originations
335
Median Total Costs
$3,238
−51.5% vs national ($6,680)
↓ $351 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$925
Median Lender Credits
$7
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 318 | 6.125% | $3,143 | $880 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 335 | 6.125% | $3,238 | #69 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,184 | 6.000% | — | 3 | −$1,054 | |
| 2 | $2,379 | 6.250% | — | 3 | −$859 | |
| 3 | $2,687 | 6.000% | — | 9 | −$551 | |
| 4 | $2,824 | 6.375% | — | 59 | −$414 | |
| 5 | $2,988 | 6.125% | — | 17 | −$250 | |
| 6 | $3,034 | 6.438% | — | 4 | −$204 | |
| 7 | $3,067 | 5.375% | — | 3 | −$171 | |
| 8 | $3,119 | 6.500% | — | 5 | −$119 | |
| 9 | $3,136 | 6.375% | — | 19 | −$102 | |
| 10 | $3,263 | 6.125% | — | 4 | +$25 | |
| 11 | $3,298 | 6.375% | — | 3 | +$60 | |
| 12 | $3,340 | 6.000% | — | 134 | +$102 | |
| 13 | $3,528 | 5.688% | — | 4 | +$290 | |
| 14 | $3,623 | 6.000% | — | 9 | +$385 | |
| 15 | $4,342 | 5.625% | — | 8 | +$1,104 | |
| 16 | $4,443 | 5.375% | — | 3 | +$1,205 | |
| 17 | $5,038 | 6.250% | — | 3 | +$1,800 | |
| 18 | $5,311 | 5.375% | — | 2 | +$2,073 | |
| 19 | $5,590 | 5.562% | — | 4 | +$2,352 | |
| 20 | $7,511 | 6.250% | — | 3 | +$4,273 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Robins Financial | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $3,238 | $7,127 | −$3,889 (−54.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.