Panorama Mortgage Group Rates, Fees & Info

CARSON CITY, NV

LEI: 549300FVD3YHE65PKH97

Tax ID: 20-8083209

1 stars - out of 5 stars, based on 81 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Panorama Mortgage Group is a small mortgage company specializing in Home Purchase and Refi loans. Panorama Mortgage Group has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Los Angeles, Las Vegas, Oxnard, Atlanta, and Riverside among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Panorama Mortgage Group is typically a high fee lendor.


Originations

6,608

Origination Dollar Volume (All Markets)

$1,669,940,000
Show all (8) awards

Relative Rate

Panorama Mortgage Group 's average 30 year fixed rate mortgage of loans were 3.28%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.08%.

Relative Fees

Panorama Mortgage Group 's average total fees for a 30 year fixed rate mortgage are $6,903.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 799 $293,305,000 $367,090 $7,439 3.08%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 611 $128,585,000 $210,450 $5,314 2.83%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 217 $94,345,000 $434,770 $4,897 3.01%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 508 $90,530,000 $178,209 $6,979 3.84%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 234 $68,450,000 $292,521 $6,816 2.92%
SALT LAKE CITY, UT (FHA|USDA|VA) 226 $68,100,000 $301,327 $4,501 3.08%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 153 $48,985,000 $320,163 $8,040 2.86%
NEWARK, NJ-PA (FHA|USDA|VA) 144 $47,300,000 $328,472 $10,613 3.41%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 199 $38,525,000 $193,593 $5,275 3.55%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 113 $37,005,000 $327,478 $6,702 3.02%
VALLEJO, CA (FHA|USDA|VA) 119 $34,485,000 $289,790 $8,090 2.91%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 163 $34,005,000 $208,620 $7,747 3.67%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 99 $31,435,000 $317,525 $9,448 3.38%
PROVO-OREM, UT (FHA|USDA|VA) 100 $28,890,000 $288,900 $4,479 3.19%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 74 $28,210,000 $381,216 $11,617 3.41%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 135 $28,065,000 $207,889 $6,873 3.45%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 132 $27,540,000 $208,636 $6,119 3.44%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 134 $26,380,000 $196,866 $5,706 3.13%
Outside of Metro Areas 140 $24,880,000 $177,714 $5,472 3.62%
SANTA FE, NM (FHA|USDA|VA) 91 $24,315,000 $267,198 $9,203 3.47%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 91 $20,955,000 $230,275 $8,066 3.07%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 78 $20,920,000 $268,205 $7,757 3.69%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 126 $19,270,000 $152,937 $4,652 4.04%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 59 $17,275,000 $292,797 $8,473 3.47%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 60 $17,250,000 $287,500 $6,830 3.49%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 58 $15,440,000 $266,207 $6,375 2.88%
STOCKTON, CA (FHA|USDA|VA) 74 $15,010,000 $202,838 $6,504 2.55%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 57 $14,955,000 $262,368 $4,267 3.18%
ALBUQUERQUE, NM (FHA|USDA|VA) 71 $14,015,000 $197,394 $8,018 3.68%
KANSAS CITY, MO-KS (FHA|USDA|VA) 86 $13,780,000 $160,233 $5,104 3.68%
WARNER ROBINS, GA (FHA|USDA|VA) 73 $13,755,000 $188,425 $5,227 3.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 90 $13,590,000 $151,000 $5,698 3.02%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 76 $13,460,000 $177,105 $5,411 3.72%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 46 $13,060,000 $283,913 $5,929 3.32%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 36 $11,960,000 $332,222 $8,689 3.27%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 65 $11,665,000 $179,462 $7,573 4.14%
BAKERSFIELD, CA (FHA|USDA|VA) 60 $11,140,000 $185,667 $5,755 3.23%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 23 $10,795,000 $469,348 $7,457 3.01%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 42 $10,190,000 $242,619 $2,565 3.81%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 48 $9,470,000 $197,292 $6,916 3.69%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 52 $9,170,000 $176,346 $4,159 4.11%
FRESNO, CA (FHA|USDA|VA) 29 $7,515,000 $259,138 $5,817 3.56%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 41 $7,395,000 $180,366 $7,326 3.74%
OKLAHOMA CITY, OK (FHA|USDA|VA) 38 $6,600,000 $173,684 $6,996 4.06%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 39 $6,095,000 $156,282 $6,930 3.68%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 20 $5,490,000 $274,500 $6,355 3.21%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 18 $5,210,000 $289,444 $8,971 3.17%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 28 $4,810,000 $171,786 $5,792 3.19%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 19 $4,165,000 $219,211 $8,984 4.10%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 17 $4,135,000 $243,235 $6,758 4.32%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 9 $3,985,000 $442,778 $7,824 3.37%
MIDLAND, TX (FHA|USDA|VA) 13 $3,245,000 $249,615 $6,669 3.19%
MODESTO, CA (FHA|USDA|VA) 18 $3,230,000 $179,444 $5,310 2.52%
ELGIN, IL (FHA|USDA|VA) 14 $3,070,000 $219,286 $5,130 3.43%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 19 $2,835,000 $149,211 $5,057 4.27%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 17 $2,725,000 $160,294 $5,195 4.55%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 6 $2,660,000 $443,333 $4,693 3.29%
RICHMOND, VA (FHA|USDA|VA) 15 $2,505,000 $167,000 $7,063 4.52%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 11 $2,495,000 $226,818 $6,397 3.43%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 13 $2,445,000 $188,077 $8,037 4.13%
BATON ROUGE, LA (FHA|USDA|VA) 20 $2,430,000 $121,500 $4,531 4.97%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 14 $2,300,000 $164,286 $7,073 3.74%
GREELEY, CO (FHA|USDA|VA) 11 $2,285,000 $207,727 $8,660 3.32%
DALTON, GA (FHA|USDA|VA) 17 $2,195,000 $129,118 $5,143 3.71%
NAPA, CA (FHA|USDA|VA) 7 $2,095,000 $299,286 $10,366 2.70%
CLEVELAND, TN (FHA|USDA|VA) 17 $2,025,000 $119,118 $4,417 3.84%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $1,890,000 $315,000 $5,662 2.77%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $1,830,000 $228,750 $6,228 3.98%
GAINESVILLE, GA (FHA|USDA|VA) 12 $1,820,000 $151,667 $6,663 4.60%
PHILADELPHIA, PA (FHA|USDA|VA) 12 $1,790,000 $149,167 $6,595 3.78%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,710,000 $427,500 $5,949 3.38%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $1,690,000 $281,667 $10,129 3.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 10 $1,670,000 $167,000 $7,291 3.56%
SAVANNAH, GA (FHA|USDA|VA) 10 $1,640,000 $164,000 $6,028 3.63%
WACO, TX (FHA|USDA|VA) 6 $1,610,000 $268,333 $10,574 3.15%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 11 $1,565,000 $142,273 $5,228 3.53%
CAMDEN, NJ (FHA|USDA|VA) 5 $1,565,000 $313,000 $8,458 2.93%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 8 $1,540,000 $192,500 $4,968 3.22%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $1,495,000 $299,000 $9,583 3.18%
OCALA, FL (FHA|USDA|VA) 12 $1,470,000 $122,500 $5,729 4.93%
ST. GEORGE, UT (FHA|USDA|VA) 5 $1,335,000 $267,000 $3,269 2.93%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 5 $1,295,000 $259,000 $8,117 3.43%
MERCED, CA (FHA|USDA|VA) 9 $1,285,000 $142,778 $5,465 3.08%
EL PASO, TX (FHA|USDA|VA) 7 $1,195,000 $170,714 $5,239 3.46%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,170,000 $585,000 $7,412 2.75%
PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $1,140,000 $190,000 $8,756 3.27%
ODESSA, TX (FHA|USDA|VA) 6 $1,120,000 $186,667 $5,878 3.21%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,110,000 $277,500 $7,204 3.44%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 6 $1,100,000 $183,333 $5,640 3.19%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 7 $1,085,000 $155,000 $5,827 3.59%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 5 $1,065,000 $213,000 $5,425 3.43%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $990,000 $495,000 $9,629 3.00%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $970,000 $242,500 $5,180 3.84%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 7 $965,000 $137,857 $4,893 3.95%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 4 $960,000 $240,000 $3,620 3.56%
EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $955,000 $191,000 $6,918 4.09%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $920,000 $460,000 $3,968 3.06%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $915,000 $183,000 $7,436 6.49%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $875,000 $175,000 $6,884 3.60%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 3 $845,000 $281,667 $5,502 3.25%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 4 $840,000 $210,000 $8,313 4.59%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 4 $840,000 $210,000 $6,141 2.56%
MUSKEGON, MI (FHA|USDA|VA) 7 $825,000 $117,857 $3,426 3.77%
ROANOKE, VA (FHA|USDA|VA) 3 $825,000 $275,000 $6,123 2.67%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $805,000 $268,333 $4,185 2.75%
GAINESVILLE, FL (FHA|USDA|VA) 4 $780,000 $195,000 $7,466 4.61%
GARY, IN (FHA|USDA|VA) 5 $755,000 $151,000 $3,982 3.28%
VISALIA, CA (FHA|USDA|VA) 4 $730,000 $182,500 $5,830 4.31%
MADISON, WI (FHA|USDA|VA) 3 $715,000 $238,333 $4,188 3.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $715,000 $143,000 $3,973 3.70%
KNOXVILLE, TN (FHA|USDA|VA) 2 $690,000 $345,000 $14,516 3.75%
REDDING, CA (FHA|USDA|VA) 2 $640,000 $320,000 $5,996 3.13%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $595,000 $198,333 $8,889 4.17%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $540,000 $135,000 $4,466 3.84%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $535,000 $178,333 $4,982 4.33%
COLUMBIA, SC (FHA|USDA|VA) 2 $530,000 $265,000 $9,672 3.25%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $530,000 $265,000 $3,223 3.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $515,000 $515,000 $3,928 2.88%
MOBILE, AL (FHA|USDA|VA) 1 $505,000 $505,000 $7,780 4.99%
YUBA CITY, CA (FHA|USDA|VA) 2 $490,000 $245,000 $10,063 3.63%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $490,000 $245,000 $10,000 3.44%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $475,000 $475,000 $12,017 2.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $465,000 $155,000 $5,380 4.36%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $440,000 $220,000 $8,834 2.81%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $435,000 $145,000 $6,634 3.46%
TUCSON, AZ (FHA|USDA|VA) 2 $430,000 $215,000 $3,395 3.19%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $430,000 $215,000 $8,341 4.06%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $430,000 $215,000 $5,118 3.38%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $430,000 $215,000 $4,271 3.31%
SALINAS, CA (FHA|USDA|VA) 1 $425,000 $425,000 $11,644 4.13%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $425,000 $425,000 $2,448 2.50%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 2 $420,000 $210,000 $3,820 3.75%
LAREDO, TX (FHA|USDA|VA) 2 $420,000 $210,000 $7,501 2.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $415,000 $138,333 $5,115 3.38%
LAFAYETTE, LA (FHA|USDA|VA) 3 $405,000 $135,000 $6,092 2.54%
HAMMOND, LA (FHA|USDA|VA) 3 $405,000 $135,000 $4,004 4.54%
TULSA, OK (FHA|USDA|VA) 2 $400,000 $200,000 $5,765 4.00%
RACINE, WI (FHA|USDA|VA) 1 $395,000 $395,000 $2,351 4.00%
MUNCIE, IN (FHA|USDA|VA) 3 $395,000 $131,667 $5,548 3.54%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $390,000 $195,000 $7,963 1.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $380,000 $190,000 $3,804 3.69%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $350,000 $175,000 $7,739 2.94%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $335,000 $335,000 $13,462 8.88%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 1 $315,000 $315,000 $6,508 2.50%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 1 $305,000 $305,000 $7,489 2.99%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $305,000 $101,667 $5,482 4.92%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.63%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $280,000 $140,000 $2,626 2.63%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 1 $275,000 $275,000 $10,481 7.13%
PANAMA CITY, FL (FHA|USDA|VA) 2 $270,000 $135,000 $6,145 4.94%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $270,000 $135,000 $4,254 4.38%
VALDOSTA, GA (FHA|USDA|VA) 1 $265,000 $265,000 $6,989 3.75%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $265,000 $88,333 $4,447 5.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $6,003 4.99%
BANGOR, ME (FHA|USDA|VA) 1 $245,000 $245,000 $5,762 3.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $240,000 $120,000 $7,249 3.13%
COLUMBUS, IN (FHA|USDA|VA) 2 $240,000 $120,000 $3,127 3.69%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $235,000 $235,000 $10,151 3.13%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $10,746 7.88%
FOND DU LAC, WI (FHA|USDA|VA) 3 $215,000 $71,667 $2,812 4.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $215,000 $215,000 $1,642 3.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $215,000 $215,000 $8,480 4.25%
ROME, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,960 2.99%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $195,000 $195,000 $6,366 2.88%
DOVER, DE (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.00%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,419 3.38%
THE VILLAGES, FL (FHA|USDA|VA) 1 $185,000 $185,000 $7,553 3.13%
KANKAKEE, IL (FHA|USDA|VA) 2 $170,000 $85,000 $5,043 4.44%
MEDFORD, OR (FHA|USDA|VA) 1 $165,000 $165,000 $4,030 3.13%
KOKOMO, IN (FHA|USDA|VA) 1 $155,000 $155,000 $5,070 3.75%
MADERA, CA (FHA|USDA|VA) 1 $155,000 $155,000 $3,614 3.99%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $155,000 $155,000 $7,064 3.13%
LONGVIEW, TX (FHA|USDA|VA) 1 $155,000 $155,000 $8,027 4.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $145,000 $145,000 $6,789 2.75%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,705 2.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $145,000 $145,000 $1,058 3.75%
LAWRENCE, KS (FHA|USDA|VA) 1 $135,000 $135,000 $7,114 3.75%
LOGAN, UT-ID (FHA|USDA|VA) 1 $125,000 $125,000 $2,912 2.63%
ENID, OK (FHA|USDA|VA) 1 $125,000 $125,000 $7,476 4.88%
ALBANY, GA (FHA|USDA|VA) 1 $125,000 $125,000 $3,444 3.13%
PUEBLO, CO (FHA|USDA|VA) 1 $115,000 $115,000 $4,940 3.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $75,000 $75,000 $4,732 3.13%

Panorama Mortgage Group 's top markets include Los Angeles, Las Vegas, Oxnard, Atlanta, and Riverside among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 4,184 $1,028,510,000 $245,820 $4,443 3.30%
FHA 2,099 $542,715,000 $258,559 $10,404 3.44%
VA 251 $85,035,000 $338,785 $8,635 3.12%
USDA 74 $13,680,000 $184,865 $5,617 3.30%

For the 2020 period, Panorama Mortgage Group 's most frequently originated loan type of loans were Conventional, with 4,184 originations. Their 2nd most popular type is FHA, with 2,099 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 4,237 $985,665,000 $232,633 $7,349 3.39%
Refi 1,581 $463,495,000 $293,166 $4,910 3.14%
Cash Out Refi 771 $216,615,000 $280,953 $5,615 3.45%
Home Improvement 12 $2,570,000 $214,167 $4,741 4.03%
Other 7 $1,595,000 $227,857 $6,536 3.95%

For the 2020, Panorama Mortgage Group 's most frequently cited loan purpose of loans were Home Purchase, with 4,237 originations. The 2nd most popular reason of loans were Refi, with 1,581 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 5,984 $1,560,350,000 $260,754 $6,903 3.28%
15 Year 261 $58,455,000 $223,966 $4,177 2.82%
10 Year 162 $3,520,000 $21,728 $371 7.03%
20 Year 123 $31,355,000 $254,919 $4,655 3.20%
Other 60 $16,050,000 $267,500 $5,405 3.21%
5 Year 11 $165,000 $15,000 $0 0.00%
3 Year 4 $20,000 $5,000 $0 0.00%
30+ year 3 $25,000 $8,333 $0 0.00%

For the 2020, Panorama Mortgage Group 's most frequently cited loan length of loans were 30 Year, with 5,984 originations. The 2nd most popular length of loans were 15 Year, with 261 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 2,510 $693,440,000 $276,271
$3k-4k 1,147 $299,175,000 $260,833
$2k-3k 942 $228,860,000 $242,951
$5k+ 941 $336,955,000 $358,082
$<1k 918 $77,300,000 $84,205

$6,903 of loans were Panorama Mortgage Group 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,510 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 2,954 $832,590,000 $281,852
2.5-3% 1,928 $558,760,000 $289,813
<2.5% 710 $79,460,000 $111,915
4-5% 700 $164,680,000 $235,257
7-8% 180 $7,870,000 $43,722
6-7% 59 $12,165,000 $206,186
5-6% 49 $10,135,000 $206,837
Over 8% 27 $4,275,000 $158,333

During 2020, Panorama Mortgage Group 's average interest rate of loans were 3.28%, while their most frequently originated rate bucket of loans were 3-4%, with 2,954 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 2,980 $844,190,000 $283,285 $7,490 3.38%
$100k-200k 1,715 $268,065,000 $156,306 $5,695 3.59%
$400k-600k 874 $414,970,000 $474,794 $9,433 3.26%
$100,000 or less 868 $23,240,000 $26,774 $990 2.80%
$600k-1MM 164 $111,580,000 $680,366 $10,900 3.25%
$1MM+ 7 $7,895,000 $1,127,857 $19,115 3.45%

2020 saw Panorama Mortgage Group place emphasis on $200k-400k loans with 2,980 originations, totaling $844,190,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 1,865 $391,785,000 $210,072 $6,500 3.35%
$50k or less 1,599 $251,815,000 $157,483 $5,561 3.48%
$75k-100k 1,285 $354,475,000 $275,856 $7,321 3.32%
$100k-150k 1,203 $405,035,000 $336,687 $7,248 3.20%
$150k-250k 432 $179,190,000 $414,792 $7,108 3.28%
$250k+ 132 $60,650,000 $459,470 $6,069 3.39%

Panorama Mortgage Group lent most frequently to those with incomes in the $50k-75k range, with 1,865 originations. The second most popular income band? $50k or less, with 1,599 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
30-36% 920 $229,720,000 $249,696 $5,591 3.33%
20-30% 818 $207,340,000 $253,472 $5,203 3.33%
50-60% 745 $201,745,000 $270,799 $10,197 3.36%
44% 406 $101,780,000 $250,690 $6,502 3.25%
42% 342 $87,010,000 $254,415 $6,631 3.25%
49% 310 $74,850,000 $241,452 $6,550 3.68%
41% 305 $71,915,000 $235,787 $6,132 3.45%
43% 298 $73,820,000 $247,718 $6,054 3.42%
40% 277 $71,425,000 $257,852 $6,426 3.12%
39% 266 $68,570,000 $257,782 $6,491 3.18%
<20% 265 $61,495,000 $232,057 $4,484 3.41%
46% 242 $56,170,000 $232,107 $7,167 3.46%
45% 234 $63,190,000 $270,043 $7,237 3.47%
38% 216 $53,030,000 $245,509 $6,193 3.17%
47% 214 $55,780,000 $260,654 $6,850 3.45%
37% 213 $50,325,000 $236,268 $5,938 3.32%
48% 202 $51,180,000 $253,366 $7,340 3.41%
36% 188 $46,660,000 $248,191 $6,599 3.23%
>60% 10 $2,850,000 $285,000 $9,569 3.46%

Panorama Mortgage Group lent most frequently to those with DTI ratios of 30-36%, with 920 originations. The next most common DTI ratio? 20-30%, with 818 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 4,875 $1,250,545,000 $256,522 $6,427 3.35%
Black 874 $199,750,000 $228,547 $7,360 3.41%
Not provided 667 $164,005,000 $245,885 $6,639 3.18%
Asian 144 $44,180,000 $306,806 $5,981 3.10%
American Indian 26 $5,350,000 $205,769 $6,630 3.35%
Native Hawaiian 14 $3,140,000 $224,286 $6,508 3.41%
Asian Indian 3 $1,225,000 $408,333 $7,625 3.13%
Filipino 2 $890,000 $445,000 $20,309 2.81%
Japanese 1 $445,000 $445,000 $6,297 2.75%
Other Asian 2 $410,000 $205,000 $6,742 5.81%

Approval Rates

Total approvals of all applications
90.59%

Panorama Mortgage Group has an average approval rate.

Pick Rate

Approvals leading to origination
67.83%

Panorama Mortgage Group has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 6,608 $1,669,940,000 $252,715

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 62 $11,230,000 $181,129
Single Family (1-4 Units):Site-Built 6,546 $1,658,710,000 $253,393

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 184 $37,930,000 $206,141 $3,984 3.11%
40-60% 531 $146,895,000 $276,638 $4,463 3.15%
60-80% 1,581 $462,435,000 $292,495 $5,501 3.59%
80-100% 3,571 $990,155,000 $277,277 $8,407 3.43%
Over 100% 65 $23,945,000 $368,385 $15,394 3.27%
Under 20% 673 $8,545,000 $12,697 $107 2.51%