Applications / Mortgage Analytics / Lenders / Georgia / Robins Financial Credit Union
Warner Robins, GA · Credit union · NCUA · $4.8 billion assets · 1,562 loans in 2025
Robins Financial Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,562
loans originated, 2025
2,405
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Robins Financial Credit Union is a home-improvement lender, with 53.2% of its loans for that purpose, ranking third in both Warner Robins and Macon-Bibb County.
It ranked 3 of 299 lenders in Warner Robins and 3 of 328 in Macon-Bibb County, behind Rocket Mortgage and United Wholesale Mortgage in both; it has lent in each since before 1990. Its share rose 0.4 points to 5.0% in Macon-Bibb County and slipped 0.1 points to 6.0% in Warner Robins.
Home improvement was 53.2% of its loans, home purchases 22.6% and refinances 10.2%. Its typical loan was $95,000, against $115,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at more than four in five of them. Its typical rate, 6.12%, was lower than at most peers, where it was 7.00%.
Majority-minority areas took 28.4% of its loans, against 10.8% at peers, up from 11.3% five years before. LMI (low- and moderate-income) areas took 19.3%, against 15.3%, a higher share than at more than four in five peers. LMI borrowers took 23.8%, against 27.0%, up from 15.7% five years before; the make-up of the Georgia markets it mainly serves is one possible reason for the lower figure.
Its 1,562 originations rose 7% from 1,457, close to similar lenders' 9% and the whole market's 10%. They remain below the 2,238 of 2020. Its home-purchase and refinance denial rates, 2.7% and 12.0%, were lower than peers' 6.3% and 20.6%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Robins Financial Credit Union took 2,405 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 53.2% · Purchase 22.6% · Other 14.0% · Refinance 10.2%
Conventional 98.8% · VA 1.2% · of 1,562 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 1,561 | 99.9% |
| Florida | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warner Robins | 662 |
| Macon-Bibb County | 431 |
| Atlanta-Sandy Springs-Roswell | 89 |
| Athens-Clarke County | 76 |
| Marietta | 6 |
| Augusta-Richmond County | 3 |
| Gainesville | 3 |
| Savannah | 3 |
| Brunswick-St. Simons | 1 |
| Columbus | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AUL77A8UKADB04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 410784 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59331 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 568670 | 2017–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Robins Financial Credit Union's data.
Robins Financial Credit Union's data
$215
Robins Financial Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Robins Financial Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]