# PANORAMA MORTGAGE GROUP, LLC

> **Canonical URL:** https://saferate.com/lenders/panorama-mortgage-group


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PANORAMA MORTGAGE GROUP, LLC is a independent mortgage company, headquartered in CARSON CITY, NV, serving borrowers across 34 states, with 1,183 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 89% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300FVD3YHE65PKH97
- **Headquarters:** CARSON CITY, NV
- **Geographic Reach:** Near-National
- **States Served:** 34
- **State List:** AL, AZ, CA, CO, CT, DC, FL, GA, HI, IL, IN, KS, LA, MD, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI
- **Markets (MSAs):** 21
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 11/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.725%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,898
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,183
- **Dollar Volume:** $444 million
- **Applications Received:** 1,878
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $375,203
- **Average Borrower Income:** $127,004
- **Average Property Value:** $449,649

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 677 | +0.688% | $4,759 | Sound ☺️ |
| FHA | 75/100 | 443 | +0.881% | $5,088 | Strong 😀 |
| VA | 66/100 | 55 | +0.045% | $5,138 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 616 loans, Score: 60/100 (Sound)
- Refinance: 61 loans, Score: 46/100 (Sound)

**FHA:**
- Purchase: 423 loans, Score: 75/100 (Strong)
- Refinance: 20 loans, Score: 45/100 (Sound)

**VA:**
- Purchase: 52 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 1,099 | $417M | +0.732% | Strong 😀 |
| Refinance | 45/100 | 84 | $27M | +0.635% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 232 | 0.54% | 77/100 |
| GA | 195 | 0.14% | 69/100 |
| NJ | 193 | 0.23% | 72/100 |
| CA | 120 | 0.04% | 58/100 |
| NV | 103 | 0.26% | 68/100 |
| FL | 85 | 0.03% | 54/100 |
| TX | 39 | 0.01% | 46/100 |
| IL | 30 | 0.02% | 48/100 |
| WA | 28 | 0.03% | 49/100 |
| VA | 24 | 0.02% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 140 | 69/100 |
| Portland | OR-WA | 126 | 70/100 |
| Non |  | 101 | 50/100 |
| Las Vegas | NV | 96 | 69/100 |
| Lakewood | NJ | 79 | 67/100 |
| Newark, NJ | NJ | 69 | 67/100 |
| Salem, OR | OR | 47 | 69/100 |
| Los Angeles | CA | 44 | 55/100 |
| North Port | FL | 40 | 60/100 |
| Kansas City, MO | MO-KS | 34 | 53/100 |
| Chicago | IL | 27 | 48/100 |
| Marietta, GA | GA | 24 | 51/100 |
| Riverside | CA | 23 | 47/100 |
| Richmond, VA | VA | 21 | 50/100 |
| New York | NY-NJ | 20 | 46/100 |

## Where This Lender Ranks

PANORAMA MORTGAGE GROUP, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#20** in Salem, OR for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does PANORAMA MORTGAGE GROUP, LLC offer?

PANORAMA MORTGAGE GROUP, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PANORAMA MORTGAGE GROUP, LLC offer mortgages?

PANORAMA MORTGAGE GROUP, LLC offers mortgages in 34 states: AL, AZ, CA, CO, CT, DC, FL, GA, HI, IL, IN, KS, LA, MD, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI.

### How competitive are PANORAMA MORTGAGE GROUP, LLC's mortgage rates?

PANORAMA MORTGAGE GROUP, LLC has a pricing score of 11/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.725% above market average.

### What type of lender is PANORAMA MORTGAGE GROUP, LLC?

PANORAMA MORTGAGE GROUP, LLC is a non-depository lender that specializes in mortgage origination, headquartered in CARSON CITY, NV.

### What is PANORAMA MORTGAGE GROUP, LLC's loan approval success rate?

PANORAMA MORTGAGE GROUP, LLC has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/panorama-mortgage-group

### How to Cite

> "PANORAMA MORTGAGE GROUP, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/panorama-mortgage-group

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