Ranlife Mortgage Rates, Fees & Info

SANDY, UT

LEI: 549300W1HU6IVVIEJ389

Tax ID: 87-0682600

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Ranlife is a smaller mortgage company specializing in Home Purchase and Refi loans. Ranlife has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Salt Lake City, Ogden, Provo, St. George, and Portland among others. We have data for 152 markets. (Some data included below & more in-depth data is available with an active subscription.)

Ranlife has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ranlife is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.91%	12/16/24
30 Year Conventional Refi	6.63%	12/16/24
30 Year Cash-out Refi	6.83%	12/16/24
30 Year FHA Purchase	7.47%	12/16/24
30 Year FHA Refi	7.18%	12/16/24
30 Year VA Purchase	6.29%	12/16/24
30 Year VA Refi	5.99%	12/16/24
30 Year USDA Purchase	6.98%	12/16/24
30 Year USDA Refi	6.94%	12/16/24
15 Year Conventional Purchase	6.83%	12/16/24
15 Year Conventional Refi	6.31%	12/16/24
15 Year Cash-out Refi	6.31%	12/16/24
15 Year VA Purchase	6.01%	12/16/24
15 Year VA Refi	5.68%	12/16/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Ranlife Mortgage Calculator

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This is not an official calculator from Ranlife. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

2,042

Origination Dollar Volume (All Markets)

$504,020,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
SALT LAKE CITY, UT (FHA\|USDA\|VA)	802	$205,710,000	$256,496	$6,856	4.48%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	389	$98,335,000	$252,789	$6,494	4.42%
PROVO-OREM, UT (FHA\|USDA\|VA)	226	$59,210,000	$261,991	$6,865	4.37%
Outside of Metro Areas	78	$14,420,000	$184,872	$6,352	4.47%
ST. GEORGE, UT (FHA\|USDA\|VA)	37	$9,665,000	$261,216	$5,981	4.43%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	26	$7,930,000	$305,000	$7,162	4.29%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	13	$7,665,000	$589,615	$10,843	4.65%
Heber, UT (FHA\|USDA\|VA)	16	$5,120,000	$320,000	$8,522	3.97%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	18	$4,970,000	$276,111	$9,633	4.12%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	15	$3,685,000	$245,667	$8,061	4.36%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	14	$3,570,000	$255,000	$5,565	4.52%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	15	$3,315,000	$221,000	$7,871	4.46%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	14	$3,280,000	$234,286	$7,378	3.87%
LOGAN, UT-ID (FHA\|USDA\|VA)	17	$3,085,000	$181,471	$6,140	4.68%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	8	$2,580,000	$322,500	$9,386	4.01%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	6	$2,290,000	$381,667	$8,587	3.96%
Lake City, FL (FHA\|USDA\|VA)	16	$2,180,000	$136,250	$5,294	4.46%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	4	$2,170,000	$542,500	$11,961	4.22%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	10	$2,110,000	$211,000	$8,434	4.81%
BEND, OR (FHA\|USDA\|VA)	7	$1,925,000	$275,000	$10,278	3.91%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	6	$1,800,000	$300,000	$6,282	3.75%
Cedar City, UT (FHA\|USDA\|VA)	8	$1,720,000	$215,000	$6,783	4.06%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	8	$1,560,000	$195,000	$6,787	4.87%
FRESNO, CA (FHA\|USDA\|VA)	7	$1,535,000	$219,286	$6,922	4.53%
Outside of Metro Areas	7	$1,515,000	$216,429	$9,160	4.54%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	8	$1,440,000	$180,000	$5,792	4.86%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	2	$1,280,000	$640,000	$10,119	4.25%
Vernal, UT (FHA\|USDA\|VA)	8	$1,260,000	$157,500	$4,740	4.94%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	9	$1,225,000	$136,111	$6,316	4.69%
BAKERSFIELD, CA (FHA\|USDA\|VA)	7	$1,195,000	$170,714	$7,557	3.38%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	6	$1,180,000	$196,667	$6,159	3.92%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	4	$1,160,000	$290,000	$9,633	4.97%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	6	$1,130,000	$188,333	$7,707	4.35%
RICHMOND, VA (FHA\|USDA\|VA)	7	$1,125,000	$160,714	$7,149	4.48%
Crescent City, CA (FHA\|USDA\|VA)	5	$1,125,000	$225,000	$7,194	4.33%
SALEM, OR (FHA\|USDA\|VA)	4	$1,090,000	$272,500	$7,051	4.09%
MEDFORD, OR (FHA\|USDA\|VA)	5	$1,075,000	$215,000	$7,890	4.27%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	7	$1,055,000	$150,714	$4,958	5.11%
KNOXVILLE, TN (FHA\|USDA\|VA)	5	$1,055,000	$211,000	$5,813	4.02%
BOISE CITY, ID (FHA\|USDA\|VA)	4	$1,050,000	$262,500	$10,554	4.59%
Port Angeles, WA (FHA\|USDA\|VA)	4	$890,000	$222,500	$6,066	4.25%
Astoria, OR (FHA\|USDA\|VA)	3	$875,000	$291,667	$9,034	4.25%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	5	$855,000	$171,000	$5,033	4.50%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	2	$820,000	$410,000	$5,579	4.31%
MODESTO, CA (FHA\|USDA\|VA)	3	$815,000	$271,667	$10,384	4.17%
MERCED, CA (FHA\|USDA\|VA)	3	$735,000	$245,000	$7,523	4.21%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	5	$725,000	$145,000	$6,556	3.62%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	3	$715,000	$238,333	$5,529	4.92%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	2	$710,000	$355,000	$5,410	4.88%
GREELEY, CO (FHA\|USDA\|VA)	3	$635,000	$211,667	$8,001	4.54%
CORVALLIS, OR (FHA\|USDA\|VA)	2	$630,000	$315,000	$5,380	3.69%
Carlsbad-Artesia, NM (FHA\|USDA\|VA)	3	$625,000	$208,333	$6,776	4.29%
STOCKTON, CA (FHA\|USDA\|VA)	2	$600,000	$300,000	$8,675	4.69%
Aberdeen, WA (FHA\|USDA\|VA)	4	$590,000	$147,500	$5,874	4.84%
Sandpoint, ID (FHA\|USDA\|VA)	3	$575,000	$191,667	$4,916	4.58%
Coos Bay, OR (FHA\|USDA\|VA)	3	$555,000	$185,000	$5,318	4.50%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	2	$510,000	$255,000	$10,359	5.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	3	$505,000	$168,333	$6,084	4.67%
CHICO, CA (FHA\|USDA\|VA)	2	$500,000	$250,000	$9,362	3.50%
YUBA CITY, CA (FHA\|USDA\|VA)	2	$490,000	$245,000	$6,817	4.18%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	1	$485,000	$485,000	$5,702	4.50%
Shelton, WA (FHA\|USDA\|VA)	2	$470,000	$235,000	$7,331	3.69%
TWIN FALLS, ID (FHA\|USDA\|VA)	2	$460,000	$230,000	$6,045	4.75%
Athens, TN (FHA\|USDA\|VA)	1	$445,000	$445,000	$3,514	5.13%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	3	$445,000	$148,333	$6,410	5.71%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	3	$435,000	$145,000	$6,711	5.66%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	4	$430,000	$107,500	$4,295	4.13%
LUBBOCK, TX (FHA\|USDA\|VA)	2	$430,000	$215,000	$5,211	4.44%
YAKIMA, WA (FHA\|USDA\|VA)	3	$425,000	$141,667	$3,896	5.08%
LONGVIEW, TX (FHA\|USDA\|VA)	3	$425,000	$141,667	$8,173	5.29%
Rexburg, ID (FHA\|USDA\|VA)	3	$405,000	$135,000	$6,268	5.33%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	3	$405,000	$135,000	$6,348	4.50%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	1	$395,000	$395,000	$4,498	4.63%
Auburn, IN (FHA\|USDA\|VA)	2	$390,000	$195,000	$5,481	3.81%
ROANOKE, VA (FHA\|USDA\|VA)	2	$350,000	$175,000	$7,581	4.06%
REDDING, CA (FHA\|USDA\|VA)	1	$345,000	$345,000	$13,154	3.75%
Moscow, ID (FHA\|USDA\|VA)	1	$345,000	$345,000	$9,779	4.00%
VALLEJO, CA (FHA\|USDA\|VA)	1	$335,000	$335,000	$12,633	4.38%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	2	$330,000	$165,000	$9,385	4.75%
Sevierville, TN (FHA\|USDA\|VA)	2	$330,000	$165,000	$4,975	5.56%
Roseburg, OR (FHA\|USDA\|VA)	1	$325,000	$325,000	$15,276	4.25%
CLEVELAND, TN (FHA\|USDA\|VA)	1	$325,000	$325,000	$3,389	3.63%
Clearlake, CA (FHA\|USDA\|VA)	2	$310,000	$155,000	$9,901	4.00%
Blackfoot, ID (FHA\|USDA\|VA)	2	$310,000	$155,000	$5,585	4.06%
Ellensburg, WA (FHA\|USDA\|VA)	1	$305,000	$305,000	$9,208	5.13%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	1	$295,000	$295,000	$3,209	4.88%
Alice, TX (FHA\|USDA\|VA)	1	$285,000	$285,000	$18,427	4.00%
McMinnville, TN (FHA\|USDA\|VA)	3	$285,000	$95,000	$4,134	3.79%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	1	$285,000	$285,000	$9,615	3.75%
Lufkin, TX (FHA\|USDA\|VA)	2	$280,000	$140,000	$7,375	4.25%
Silver City, NM (FHA\|USDA\|VA)	1	$265,000	$265,000	$9,690	3.50%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$265,000	$265,000	$10,547	3.99%
Hermiston-Pendleton, OR (FHA\|USDA\|VA)	3	$265,000	$88,333	$5,456	4.92%
Mountain Home, ID (FHA\|USDA\|VA)	1	$265,000	$265,000	$8,485	4.63%
FORT COLLINS, CO (FHA\|USDA\|VA)	1	$265,000	$265,000	$2,593	4.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	1	$265,000	$265,000	$11,655	3.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	1	$265,000	$265,000	$7,682	4.13%
PUEBLO, CO (FHA\|USDA\|VA)	2	$260,000	$130,000	$4,743	4.31%
Sonora, CA (FHA\|USDA\|VA)	1	$255,000	$255,000	$6,304	3.75%
TYLER, TX (FHA\|USDA\|VA)	1	$245,000	$245,000	$10,387	4.50%
Lincoln, IL (FHA\|USDA\|VA)	1	$245,000	$245,000	$12,799	4.62%
JOHNSON CITY, TN (FHA\|USDA\|VA)	2	$240,000	$120,000	$5,697	5.44%
FARMINGTON, NM (FHA\|USDA\|VA)	2	$240,000	$120,000	$8,324	5.25%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	2	$240,000	$120,000	$4,845	5.44%
LONGVIEW, WA (FHA\|USDA\|VA)	1	$235,000	$235,000	$7,783	4.50%
GRANTS PASS, OR (FHA\|USDA\|VA)	1	$235,000	$235,000	$9,868	3.75%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	1	$225,000	$225,000	$8,529	4.63%
Brookings, OR (FHA\|USDA\|VA)	1	$215,000	$215,000	$10,534	4.63%
Bluefield, WV-VA (FHA\|USDA\|VA)	1	$215,000	$215,000	$5,540	3.88%
Prineville, OR (FHA\|USDA\|VA)	1	$205,000	$205,000	$9,221	4.38%
Moses Lake, WA (FHA\|USDA\|VA)	1	$205,000	$205,000	$5,993	4.13%
Centralia, WA (FHA\|USDA\|VA)	1	$205,000	$205,000	$6,210	4.63%
Oak Harbor, WA (FHA\|USDA\|VA)	1	$205,000	$205,000	$7,675	3.88%
Big Spring, TX (FHA\|USDA\|VA)	2	$200,000	$100,000	$3,793	2.75%
MORRISTOWN, TN (FHA\|USDA\|VA)	1	$195,000	$195,000	$9,129	4.63%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	1	$195,000	$195,000	$7,096	3.75%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,975	4.50%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,008	4.25%
Fredericksburg, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,562	4.38%
Los Alamos, NM (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,449	4.25%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	2	$190,000	$95,000	$6,606	4.38%
GAINESVILLE, FL (FHA\|USDA\|VA)	1	$185,000	$185,000	$9,813	4.38%
Palestine, TX (FHA\|USDA\|VA)	1	$175,000	$175,000	$7,263	4.13%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	1	$175,000	$175,000	$8,328	5.75%
Lawrenceburg, TN (FHA\|USDA\|VA)	1	$175,000	$175,000	$9,609	3.25%
Newport, OR (FHA\|USDA\|VA)	1	$175,000	$175,000	$4,572	3.88%
Brenham, TX (FHA\|USDA\|VA)	1	$175,000	$175,000	$8,011	4.25%
ABILENE, TX (FHA\|USDA\|VA)	1	$165,000	$165,000	$7,000	4.75%
POCATELLO, ID (FHA\|USDA\|VA)	1	$155,000	$155,000	$6,396	4.75%
Danville, VA (FHA\|USDA\|VA)	1	$155,000	$155,000	$9,054	4.75%
AMARILLO, TX (FHA\|USDA\|VA)	2	$140,000	$70,000	$8,021	2.75%
Price, UT (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,784	3.24%
ROCKFORD, IL (FHA\|USDA\|VA)	1	$135,000	$135,000	$5,578	5.13%
OCALA, FL (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,620	6.13%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	2	$120,000	$60,000	$2,715	2.75%
Ruidoso, NM (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,970	4.13%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,681	4.38%
Shelbyville, TN (FHA\|USDA\|VA)	1	$105,000	$105,000	$6,498	5.63%
Show Low, AZ (FHA\|USDA\|VA)	1	$95,000	$95,000	$4,712	6.38%
Seymour, IN (FHA\|USDA\|VA)	1	$95,000	$95,000	$5,014	4.00%
Las Vegas, NM (FHA\|USDA\|VA)	1	$95,000	$95,000	$4,590	5.88%
BLOOMINGTON, IN (FHA\|USDA\|VA)	1	$95,000	$95,000	$6,789	4.63%
Bonham, TX (FHA\|USDA\|VA)	1	$95,000	$95,000	$7,879	5.25%
Paris, TN (FHA\|USDA\|VA)	1	$95,000	$95,000	$6,774	3.63%
Dixon, IL (FHA\|USDA\|VA)	1	$85,000	$85,000	$4,478	4.75%
Martinsville, VA (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,599	4.88%
SANTA FE, NM (FHA\|USDA\|VA)	1	$85,000	$85,000	$4,659	5.25%
Kingsville, TX (FHA\|USDA\|VA)	1	$85,000	$85,000	$5,100	4.88%
Burley, ID (FHA\|USDA\|VA)	1	$75,000	$75,000	$5,580	6.25%
Logansport, IN (FHA\|USDA\|VA)	1	$65,000	$65,000	$4,805	5.63%
Martin, TN (FHA\|USDA\|VA)	1	$65,000	$65,000	$3,868	5.63%
LAS CRUCES, NM (FHA\|USDA\|VA)	1	$55,000	$55,000	$5,199	5.75%

Ranlife's top markets include Salt Lake City, Ogden, Provo, St. George, and Portland among others.

Their top states include:

Utah (FHA|USDA|VA)

California (FHA|USDA|VA)

Oregon (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Washington (FHA|USDA|VA)

Similar Lenders

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,201	$293,805,000	$244,634	$5,489	4.48%
FHA	658	$160,870,000	$244,483	$9,129	4.45%
VA	134	$38,920,000	$290,448	$7,342	4.07%
USDA	49	$10,425,000	$212,755	$7,438	4.12%

For 2019, Ranlife's most frequently originated type of loan was Conventional, with 1,201 originations. Their 2nd most popular type was FHA, with 658 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	897	$230,905,000	$257,419	$7,594	4.48%
Refi	692	$189,180,000	$273,382	$6,558	4.03%
Cash Out Refi	332	$82,410,000	$248,223	$7,410	4.36%
Other	121	$1,525,000	$12,603	$412	6.71%

For 2019, Ranlife's most frequently cited loan purpose was Home Purchase, with 897 originations. The 2nd most popular reason was Refi, with 692 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,912	$473,110,000	$247,442	$6,969	4.48%
15 Year	72	$17,220,000	$239,167	$5,105	3.65%
20 Year	27	$6,605,000	$244,630	$5,377	4.11%
Other	23	$6,095,000	$265,000	$5,250	4.21%
10 Year	8	$990,000	$123,750	$3,231	2.39%

For 2019, Ranlife's most frequently cited loan duration was 30 Year, with 1,912 originations. The 2nd most popular length was 15 Year, with 72 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	573	$149,015,000	$260,061
$5k+	387	$119,255,000	$308,152
$3k-4k	325	$79,055,000	$243,246
$2k-3k	305	$70,575,000	$231,393
$4k-5k	247	$64,315,000	$260,385
$<1k	205	$21,805,000	$106,366

Ranlife's average total fees were $6,969, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 573 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	835	$234,745,000	$281,132
4-5%	774	$198,900,000	$256,977
5-6%	280	$60,720,000	$216,857
6-7%	70	$4,650,000	$66,429
7-8%	54	$590,000	$10,926
<2.5%	15	$95,000	$6,333
2.5-3%	14	$4,320,000	$308,571

During 2019, Ranlife's average interest rate for loans was 4.48%, while their most frequently originated rate bucket for loans was 3-4%, with 835 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,252	$348,370,000	$278,251	$7,652	4.23%
$100k-200k	439	$71,295,000	$162,403	$5,739	4.51%
$100,000 or less	186	$5,980,000	$32,151	$1,919	5.86%
$400k-600k	153	$70,305,000	$459,510	$8,306	4.15%
$600k-1MM	12	$8,070,000	$672,500	$9,592	4.62%

2019 saw Ranlife place emphasis on $200k-400k loans with 1,252 originations, totaling $348,370,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	746	$161,050,000	$215,885	$6,726	4.57%
$50k or less	506	$98,580,000	$194,822	$5,909	4.38%
$75k-100k	389	$105,355,000	$270,835	$7,617	4.46%
$100k-150k	269	$89,735,000	$333,587	$7,706	4.23%
$150k-250k	109	$41,855,000	$383,991	$7,471	4.31%
$250k+	23	$7,445,000	$323,696	$5,267	4.16%

Ranlife lent most frequently to those with incomes in the $50k-75k range, with 746 originations. The second most popular income band? $50k or less, with 506 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	318	$79,800,000	$250,943	$6,234	4.35%
50-60%	296	$69,130,000	$233,547	$9,066	4.56%
20-30%	211	$51,175,000	$242,536	$6,079	4.21%
<20%	159	$41,895,000	$263,491	$5,610	3.98%
44%	130	$33,930,000	$261,000	$7,165	4.57%
40%	95	$21,265,000	$223,842	$5,897	4.80%
43%	87	$21,725,000	$249,713	$6,411	4.59%
49%	84	$20,270,000	$241,310	$7,348	4.49%
41%	81	$20,495,000	$253,025	$6,057	4.57%
45%	73	$18,045,000	$247,192	$6,945	4.63%
48%	71	$16,845,000	$237,254	$7,298	4.59%
39%	68	$17,800,000	$261,765	$6,377	4.52%
38%	68	$16,420,000	$241,471	$6,754	4.53%
36%	66	$16,910,000	$256,212	$6,638	4.43%
42%	64	$14,730,000	$230,156	$6,517	4.63%
47%	63	$15,495,000	$245,952	$7,059	4.33%
37%	54	$13,820,000	$255,926	$6,930	4.40%
46%	53	$13,965,000	$263,491	$7,842	4.30%
>60%	1	$305,000	$305,000	$10,385	4.75%

Ranlife lent most frequently to those with DTI ratios of 30-36%, with 318 originations. The next most common DTI ratio? 50-60%, with 296 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,230	$302,010,000	$245,537	$6,849	4.43%
Not provided	712	$176,620,000	$248,062	$6,816	4.44%
Black	36	$8,510,000	$236,389	$7,419	4.43%
Asian	28	$7,880,000	$281,429	$6,041	4.41%
Native Hawaiian or Islander	25	$6,435,000	$257,400	$8,126	4.89%
American Indian	5	$1,265,000	$253,000	$8,645	4.25%
Japanese	3	$565,000	$188,333	$3,900	3.21%
Native Hawaiian	1	$325,000	$325,000	$5,969	3.88%
Other Asian	1	$225,000	$225,000	$6,545	4.88%
Samoan	1	$185,000	$185,000	$3,134	4.50%

Approval Rates

Total approvals of all applications
96.26%

Ranlife has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
50.54%

Ranlife has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	2,042	$504,020,000	$246,827

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Manufactured	65	$10,055,000	$154,692
Single Family (1-4 Units):Site-Built	1,977	$493,965,000	$249,856

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	16	$2,930,000	$183,125	$4,396	4.15%
40-60%	74	$16,650,000	$225,000	$5,297	4.17%
60-80%	491	$128,395,000	$261,497	$6,066	4.22%
80-100%	1,306	$347,170,000	$265,827	$7,669	4.37%
Over 100%	23	$7,275,000	$316,304	$12,492	4.14%
Under 20%	132	$1,600,000	$12,121	$403	6.15%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
RANLife, Inc.	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	50.0%
RANLife, Inc.	FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	1	50.0%