Panorama Mortgage Group
We analyzed every closed loan from Panorama Mortgage Group — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 20 mkts
Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 73 basis points above market average
- Higher than average fees ($4,898)
Explore another lender or local market
Report Card
Panorama Mortgage Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+72.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% 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
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 21 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 677 | 57.2% | +0.688%Above | $4,759Fees | ||||
FHA Loans | 443 | 37.4% | +0.881%Above | $5,088Fees | ||||
VA Loans | 55 | 4.6% | +0.045%Above | $5,138Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume677
Mix57.2%
Spread
+0.688%Above
Fees
$4,759Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume443
Mix37.4%
Spread
+0.881%Above
Fees
$5,088Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume55
Mix4.6%
Spread
+0.045%Above
Fees
$5,138Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,099 | 92.9% | +0.732%Above | $4,956Fees | ||||
Refinance | 84 | 7.1% | +0.635%Above | $4,082Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,099
Mix92.9%
Spread
+0.732%Above
Fees
$4,956Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume84
Mix7.1%
Spread
+0.635%Above
Fees
$4,082Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,183
Applications
1,878
Volume
$443 million
Pricing & Closing
Avg Rate Spread
+0.725%
vs. market APOR
Avg Net Fees
$4,898
Origination − Credits
Pullthrough Rate
63.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$375,203
Avg Borrower Income
$127,004
Avg Property Value
$449,649
Geographic Coverage
Geographic Performance
Metro Areas
20
markets with activity
States Served
34
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
34Northeast4
CTNHNJPA
Midwest8
ILINKSMNMONEOHWI
South13
ALDCFLGALAMDMSNCOKSCTNTXVA
West9
AZCACOHIMTNMNVORWA
Top Metro Areas by Place Specialization Score
Volume 126Mix 10.65% of portfolio
70/100
Strong
Volume 140Mix 11.83% of portfolio
69/100
Strong
Volume 47Mix 3.97% of portfolio
69/100
Strong
Volume 96Mix 8.11% of portfolio
69/100
Strong
Volume 69Mix 5.83% of portfolio
67/100
Strong
Volume 79Mix 6.68% of portfolio
67/100
Strong
Volume 40Mix 3.38% of portfolio
60/100
Strong
Volume 44Mix 3.72% of portfolio
55/100
Sound
Volume 34Mix 2.87% of portfolio
53/100
Sound
Volume 24Mix 2.03% of portfolio
51/100
SoundShowing 10 of 20 metro areas
Top States by Place Specialization Score
1
OregonState
Volume 232Mix 19.61% of portfolio
77/100
Strong2
New JerseyState
Volume 193Mix 16.31% of portfolio
72/100
Strong3
GeorgiaState
Volume 195Mix 16.48% of portfolio
69/100
Strong4
NevadaState
Volume 103Mix 8.71% of portfolio
68/100
Strong5
CaliforniaState
Volume 120Mix 10.14% of portfolio
58/100
Sound6
FloridaState
Volume 85Mix 7.19% of portfolio
54/100
Sound7
WashingtonState
Volume 28Mix 2.37% of portfolio
49/100
Sound8
KansasState
Volume 21Mix 1.78% of portfolio
48/100
Sound9
IllinoisState
Volume 30Mix 2.54% of portfolio
48/100
Sound10
TexasState
Volume 39Mix 3.30% of portfolio
46/100
SoundShowing 10 of 15 states
How 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.