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PANORAMA MORTGAGE GROUP, LLC
Independent Mortgage Company|CARSON CITY, NV|Near-National
Loans Originated
1,183
Applications
1,878
Volume
$443 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.725%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,898
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
63.0%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
PANORAMA MORTGAGE GROUP, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 21 metro areas · 34 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$375,203
Average Borrower Income
$127,004
Average Property Value
$449,649
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Acceptable | 677 | 57.2% | +0.688% | $4,759 |
FHA Loans | Sound | Strong | Mediocre | Strong | 443 | 37.4% | +0.881% | $5,088 |
VA Loans | Acceptable | Strong | Mediocre | Sound | 55 | 4.6% | +0.045% | $5,138 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 1,099 | 92.9% | +0.732% | $4,956 |
Refinance | Acceptable | Sound | Mediocre | Acceptable | 84 | 7.1% | +0.635% | $4,082 |
Geographic Coverage
Metro Areas
20
States Served
34
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Portland, OR-WAMSA
Volume: 126Mix: 10.65%
Place Specialization
Strong
2
Atlanta, GAMSA
Volume: 140Mix: 11.83%
Place Specialization
Strong
3
Salem, OR, ORMSA
Volume: 47Mix: 3.97%
Place Specialization
Strong
4
Las Vegas, NVMSA
Volume: 96Mix: 8.11%
Place Specialization
Strong
5
Newark, NJ, NJMSA
Volume: 69Mix: 5.83%
Place Specialization
Strong
6
Lakewood, NJMSA
Volume: 79Mix: 6.68%
Place Specialization
Strong
7
North Port, FLMSA
Volume: 40Mix: 3.38%
Place Specialization
Strong
8
Los Angeles, CAMSA
Volume: 44Mix: 3.72%
Place Specialization
Sound
9
Kansas City, MO, MO-KSMSA
Volume: 34Mix: 2.87%
Place Specialization
Sound
10
Marietta, GA, GAMSA
Volume: 24Mix: 2.03%
Place Specialization
Sound
Showing 10 of 20 metro areas
Top States by Place Specialization Score
1
ORState
Volume: 232Mix: 19.61%
Place Specialization
Strong
2
NJState
Volume: 193Mix: 16.31%
Place Specialization
Strong
3
GAState
Volume: 195Mix: 16.48%
Place Specialization
Strong
4
NVState
Volume: 103Mix: 8.71%
Place Specialization
Strong
5
CAState
Volume: 120Mix: 10.14%
Place Specialization
Sound
6
FLState
Volume: 85Mix: 7.19%
Place Specialization
Sound
7
WAState
Volume: 28Mix: 2.37%
Place Specialization
Sound
8
KSState
Volume: 21Mix: 1.78%
Place Specialization
Sound
9
ILState
Volume: 30Mix: 2.54%
Place Specialization
Sound
10
TXState
Volume: 39Mix: 3.30%
Place Specialization
Sound
Showing 10 of 15 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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