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
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Ranlife performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
257 loans
Sound
Top 60% of lenders
3/5
FHA
277 loans · 0.61% above market
Strong
Top 40% of lenders
4/5
VA
56 loans
Strong
Top 40% of lenders
4/5
Jumbo
11 loans
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
408 loans · 0.54% above market
Sound
Top 60% of lenders
3/5
Refinance
197 loans · 0.89% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
4/5
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
21Full-year 2024 · HMDALoans originated
< 1010–2020+None
Midwest5
ILINMIMNOH
South8
FLGANCOKSCTNTXVA
West8
AZCACOIDNMORUTWA
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
Looking for a different lender?
Are you the owner of Ranlife?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.