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 score and performance metrics.

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 an overall pricing score of 10.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is PANORAMA MORTGAGE GROUP, LLC?

PANORAMA MORTGAGE GROUP, LLC is a Independent Mortgage Company headquartered in CARSON CITY, NV.

Unclaimed

Panorama Mortgage Group, LLC

Independent Mortgage Company•CARSON CITY, NV•Direct to Consumer

We analyzed every closed loan from Panorama Mortgage Group — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA

Place

Sound

Near-National · 20 mkts

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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)

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Report Card

Panorama Mortgage Group, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +72.5 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National21 markets

Loan Product Performance

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%Above	$4,759Fees
FHA Loans	Sound	Strong	Mediocre	Strong	443	37.4%	+0.881%Above	$5,088Fees
VA Loans	Acceptable	Strong	Mediocre	Sound	55	4.6%	+0.045%Above	$5,138Fees

Loan Purpose Performance

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%Above	$4,956Fees
Refinance	Acceptable	Sound	Mediocre	Acceptable	84	7.1%	+0.635%Above	$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

States Served

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

Portland, OR-WAMSA

Volume: 126Mix: 10.65%of portfolio

Place

Strong

Atlanta, GAMSA

Volume: 140Mix: 11.83%of portfolio

Place

Strong

Salem, OR, ORMSA

Volume: 47Mix: 3.97%of portfolio

Place

Strong

Las Vegas, NVMSA

Volume: 96Mix: 8.11%of portfolio

Place

Strong

Newark, NJ, NJMSA

Volume: 69Mix: 5.83%of portfolio

Place

Strong

Lakewood, NJMSA

Volume: 79Mix: 6.68%of portfolio

Place

Strong

North Port, FLMSA

Volume: 40Mix: 3.38%of portfolio

Place

Strong

Los Angeles, CAMSA

Volume: 44Mix: 3.72%of portfolio

Place

Sound

Kansas City, MO, MO-KSMSA

Volume: 34Mix: 2.87%of portfolio

Place

Sound

Marietta, GA, GAMSA

Volume: 24Mix: 2.03%of portfolio

Place

Sound

Showing 10 of 20 metro areas

Top States by Place Specialization Score

ORState

Volume: 232Mix: 19.61%of portfolio

Place

Strong

NJState

Volume: 193Mix: 16.31%of portfolio

Place

Strong

GAState

Volume: 195Mix: 16.48%of portfolio

Place

Strong

NVState

Volume: 103Mix: 8.71%of portfolio

Place

Strong

CAState

Volume: 120Mix: 10.14%of portfolio

Place

Sound

FLState

Volume: 85Mix: 7.19%of portfolio

Place

Sound

WAState

Volume: 28Mix: 2.37%of portfolio

Place

Sound

KSState

Volume: 21Mix: 1.78%of portfolio

Place

Sound

ILState

Volume: 30Mix: 2.54%of portfolio

Place

Sound

TXState

Volume: 39Mix: 3.30%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.