Robins Financial in Georgia vs the state
26.7%Denial rate+7.47 pts vs state
27.5%Decision denial rate+2.41 pts vs state
65.1%Origination rate+11.01 pts vs state
6.13%Median rate-0.50 pts vs state
-0.15Rate spread (pts)-0.42 pts vs state
$92kMedian applicant income
1,561Loans originated
640Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,445 | 1,420 | 32.6% | 7.25% | #41 |
| 2024 | 2,373 | 1,455 | 29.5% | 6.25% | #43 |
| 2025 | 2,398 | 1,561 | 26.7% | 6.13% | #45 |
What Robins Financial lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Robins Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Houston County | 825 | 591 | 176 | 21.3% |
| Bibb County | 420 | 254 | 125 | 29.8% |
| Jones County | 129 | 88 | 30 | 23.3% |
| Peach County | 120 | 71 | 36 | 30.0% |
| Monroe County | 104 | 63 | 30 | 28.8% |
| Laurens County | 81 | 44 | 26 | 32.1% |
| Baldwin County | 65 | 45 | 14 | 21.5% |
| Oconee County | 51 | 37 | 11 | 21.6% |
| Clarke County | 41 | 25 | 13 | 31.7% |
| Putnam County | 38 | 24 | 11 | 28.9% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 2,398 applications in 2025, of which 1,561 were originated and 640 denied.
26.7% of all applications, or 27.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Robins Financial originated in Georgia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Robins Financial's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology