Ranlife at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
87th3.1% deniedPricingmedian rate spread over APOR, weight 30%
35th0.34 ptsProcesswithdrawn + incomplete share, weight 15%
8th30.9%Closing coststotal loan costs ÷ loan amount, weight 10%
16th3.39% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,009 | 590 | 3.6% | 5.8% | 6.75% | $215M |
| 2024 | 1,126 | 744 | 3.4% | 4.9% | 6.50% | $278M |
| 2025 | 1,465 | 972 | 2.1% | 3.1% | 6.38% | $346M |
What Ranlife lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1 home-equity lines, 0 reverse mortgages, 63 manufactured homes, 91 investment properties.
Why Ranlife denies applications
Primary reason reported for each of the 31 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Ranlife
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 52 | 27 | 20.6% |
| $50k – $100k | 499 | 321 | 2.1% |
| $100k – $150k | 477 | 339 | 2.3% |
| $150k – $250k | 190 | 130 | 3.7% |
| Over $250k | 87 | 54 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 94 | 64 | 1.5% |
| 25–34 | 436 | 306 | 1.0% |
| 35–44 | 408 | 259 | 3.6% |
| 45–54 | 261 | 183 | 4.6% |
| 55–64 | 151 | 101 | 3.8% |
| 65–74 | 91 | 44 | 6.4% |
| Over 74 | 24 | 15 | 6.3% |
Where Ranlife lends
32 states and 276 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Utah | 1,050 | 712 | 1.2% | 6.38% | #33 |
| Texas | 62 | 43 | 11.3% | 6.50% | #663 |
| California | 41 | 26 | 2.4% | 5.88% | #549 |
| Oregon | 37 | 24 | 8.1% | 6.00% | #255 |
| Arizona | 27 | 15 | 0.0% | 6.25% | #389 |
| Washington | 27 | 15 | 0.0% | 6.44% | #357 |
| Florida | 26 | 12 | 3.9% | 6.25% | #721 |
| Idaho | 25 | 17 | 0.0% | 6.63% | #208 |
| Virginia | 22 | 16 | 4.6% | 6.00% | #478 |
| New Mexico | 20 | 12 | 5.0% | 6.50% | #202 |
| North Carolina | 14 | 10 | 0.0% | 6.50% | #572 |
| Georgia | 13 | 9 | 0.0% | 6.50% | #626 |
| Illinois | 12 | 4 | 0.0% | 6.50% | #657 |
| Tennessee | 11 | 6 | 9.1% | 5.81% | #614 |
| Colorado | 9 | 4 | 11.1% | 6.44% | #527 |
| Indiana | 9 | 6 | 0.0% | 6.43% | #573 |
| South Carolina | 8 | 7 | 0.0% | 6.50% | #565 |
| Michigan | 7 | 3 | 14.3% | 6.13% | #556 |
| Louisiana | 6 | 4 | 0.0% | 6.00% | #414 |
| Ohio | 6 | 6 | 0.0% | 6.38% | #683 |
| Pennsylvania | 5 | 4 | 0.0% | 6.44% | #784 |
Frequently asked questions
Ranlife denied 3.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 87th percentile of mid-size mortgage lenders.
The most common reason Ranlife gave in 2025 was "credit history", cited on 74.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Ranlife originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 55% of its applications were for home purchases, 44% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 45% conventional, 46% FHA, 8% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.