We analyzed every closed loan from Ranlife — 605 loans across 883 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA and Jumbo loans
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Report Card
Ranlife performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 257 | 42.5% | — | — | |||
FHA Loans | — | 277 | 45.8% | +0.612%Above | $5,895Fees | |||
VA Loans | — | 56 | 9.3% | — | — | |||
Jumbo Loans | — | — | 11 | 1.8% | — | — |
Conventional
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume257
Mix42.5%
Spread—
Fees—
FHA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume277
Mix45.8%
Spread
+0.612%Above
Fees
$5,895Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume56
Mix9.3%
Spread—
Fees—
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume11
Mix1.8%
Spread—
Fees—
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | — | 408 | 67.4% | +0.543%Above | $7,733Fees | |||
Refinance | — | 197 | 32.6% | +0.887%Above | $1,457Credit |
Purchase
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume408
Mix67.4%
Spread
+0.543%Above
Fees
$7,733Fees
Refinance
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume197
Mix32.6%
Spread
+0.887%Above
Fees
$1,457Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
605
Applications
883
Volume
$253 million
Pricing & Closing
Pullthrough Rate
68.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$419,165
Avg Borrower Income
$129,952
Avg Property Value
$511,727
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
21
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
21Midwest5
ILINMIMNOH
South8
FLGANCOKSCTNTXVA
West8
AZCACOIDNMORUTWA
Top Metro Areas by Place Specialization Score
Volume 237Mix 39.17% of portfolio
84/100
Exceptional
Volume 108Mix 17.85% of portfolio
78/100
Strong
Volume 65Mix 10.74% of portfolio
68/100
Strong
Volume 11Mix 1.82% of portfolio
45/100
SoundTop States by Place Specialization Score
1
UtahState
Volume 474Mix 78.35% of portfolio
84/100
Exceptional2
OregonState
Volume 20Mix 3.31% of portfolio
48/100
Sound3
IdahoState
Volume 12Mix 1.98% of portfolio
42/100
Sound4
TexasState
Volume 20Mix 3.31% of portfolio
41/100
Sound5
CaliforniaState
Volume 16Mix 2.64% of portfolio
40/100
Sound6
TennesseeState
Volume 11Mix 1.82% of portfolio
38/100
Acceptable7
VirginiaState
Volume 11Mix 1.82% of portfolio
38/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.