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RANLIFE, INC.
Independent Mortgage Company|SANDY, UT|Multi-Region
Loans Originated
605
Applications
883
Volume
$253 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
68.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA and Jumbo loans
Report Card
RANLIFE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 5 metro areas · 21 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$419,165
Average Borrower Income
$129,952
Average Property Value
$511,727
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Sound | 257 | 42.5% | — | — |
FHA Loans | Strong | Strong | N/A | Strong | 277 | 45.8% | +0.612% | $5,895 |
VA Loans | Strong | Strong | N/A | Strong | 56 | 9.3% | — | — |
Jumbo Loans | Strong | Strong | N/A | N/A | 11 | 1.8% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | N/A | Sound | 408 | 67.4% | +0.543% | $7,733 |
Refinance | Sound | Strong | N/A | Sound | 197 | 32.6% | +0.887% | -$1,457 |
Geographic Coverage
Metro Areas
4
States Served
21
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCACOFLGAIDILINMIMNNCNMOHOKORSCTNTXUTVAWA
Top Metro Areas by Place Specialization Score
1
Salt Lake City, UTMSA
Volume: 237Mix: 39.17%
Place Specialization
Exceptional
2
Ogden, UT, UTMSA
Volume: 108Mix: 17.85%
Place Specialization
Strong
3
Provo, UTMSA
Volume: 65Mix: 10.74%
Place Specialization
Strong
4
St. George, UT, UTMSA
Volume: 11Mix: 1.82%
Place Specialization
Sound
Top States by Place Specialization Score
1
UTState
Volume: 474Mix: 78.35%
Place Specialization
Exceptional
2
ORState
Volume: 20Mix: 3.31%
Place Specialization
Sound
3
IDState
Volume: 12Mix: 1.98%
Place Specialization
Sound
4
TXState
Volume: 20Mix: 3.31%
Place Specialization
Sound
5
CAState
Volume: 16Mix: 2.64%
Place Specialization
Sound
6
TNState
Volume: 11Mix: 1.82%
Place Specialization
Acceptable
7
VAState
Volume: 11Mix: 1.82%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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