Panorama Mortgage Group Rates, Fees & Info

CARSON CITY, NV

LEI: 549300FVD3YHE65PKH97

Tax ID: 20-8083209

2 stars - out of 5 stars, based on 79 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Panorama Mortgage Group is a small mortgage company specializing in loans. Panorama Mortgage Group has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Las Vegas, New York, Atlanta, and Portland among others. We have data for 247 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Panorama Mortgage Group has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Panorama Mortgage Group is typically a high fee lender. They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender in 2021-- chances are they are still one in 2022.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.74% 8/6/22
    30 Year Conventional Refi 5.66% 8/6/22
    30 Year Cash-out Refi 5.82% 8/6/22
    30 Year FHA Purchase 6.80% 8/6/22
    30 Year FHA Refi 6.33% 8/6/22
    30 Year VA Purchase 5.73% 8/6/22
    30 Year VA Refi 5.02% 8/6/22
    30 Year USDA Purchase 6.01% 8/6/22
    30 Year USDA Refi 5.98% 8/6/22
    15 Year Conventional Purchase 5.36% 8/6/22
    15 Year Conventional Refi 4.80% 8/6/22
    15 Year Cash-out Refi 4.80% 8/6/22
    15 Year FHA Purchase 6.58% 8/6/22
    15 Year FHA Refi 5.55% 8/6/22
    15 Year VA Refi 4.26% 8/6/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    6,203

    Origination Dollar Volume (All Markets)

    $1,779,265,000

    Awards

    PANORAMA MORTGAGE GROUP  VA Loans silver PANORAMA MORTGAGE GROUP  30 Year Conventional Loans gold PANORAMA MORTGAGE GROUP  30 Year Conventional Loans bronze PANORAMA MORTGAGE GROUP  30 Year Conventional Loans gold
    Show all (4) awards

    Relative Rate

    Panorama Mortgage Group 's average 30 year fixed rate mortgage of loans were 3.25%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of 0.1%.

    Relative Fees

    Panorama Mortgage Group 's average total fees for a 30 year fixed rate mortgage are $7,487.

    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 $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 618 $258,910,000 $418,948 $8,303 3.00%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » 632 $146,720,000 $232,152 $5,984 3.06%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) » 372 $145,520,000 $391,183 $11,383 3.34%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » 348 $84,000,000 $241,379 $8,026 3.54%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 193 $81,735,000 $423,497 $6,728 3.23%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 232 $79,510,000 $342,716 $7,700 2.96%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » 133 $62,585,000 $470,564 $6,561 2.89%
    SALT LAKE CITY, UT (FHA|USDA|VA) » 170 $56,700,000 $333,529 $5,152 3.16%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » 170 $53,260,000 $313,294 $8,631 3.50%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 190 $47,040,000 $247,579 $7,796 3.53%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 94 $40,280,000 $428,511 $8,100 3.22%
    RALEIGH-CARY, NC (FHA|USDA|VA) » 109 $33,745,000 $309,587 $4,941 3.05%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 170 $29,160,000 $171,529 $6,302 3.08%
    YUMA, AZ (FHA|USDA|VA) » 143 $27,665,000 $193,462 $6,296 3.49%
    PROVO-OREM, UT (FHA|USDA|VA) » 84 $26,990,000 $321,310 $4,504 3.06%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 123 $26,945,000 $219,065 $5,662 3.10%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 78 $26,450,000 $339,103 $7,521 3.38%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 108 $26,410,000 $244,537 $5,238 3.27%
    VALLEJO, CA (FHA|USDA|VA) » 71 $25,115,000 $353,732 $7,734 3.14%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » 103 $22,745,000 $220,825 $6,822 3.29%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 62 $21,080,000 $340,000 $9,535 3.47%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 69 $20,565,000 $298,043 $8,615 3.46%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) » 95 $19,595,000 $206,263 $8,617 3.85%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) » 52 $18,850,000 $362,500 $5,899 3.25%
    SANTA FE, NM (FHA|USDA|VA) » 64 $18,720,000 $292,500 $10,228 3.44%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) » 97 $15,675,000 $161,598 $4,870 3.79%
    ALBUQUERQUE, NM (FHA|USDA|VA) » 58 $13,840,000 $238,621 $8,934 3.45%
    LAREDO, TX (FHA|USDA|VA) » 79 $13,695,000 $173,354 $6,680 2.95%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) » 78 $13,690,000 $175,513 $5,748 3.50%
    BAKERSFIELD, CA (FHA|USDA|VA) » 58 $13,070,000 $225,345 $7,305 3.12%
    CORPUS CHRISTI, TX (FHA|USDA|VA) » 55 $11,745,000 $213,545 $6,415 2.92%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 47 $10,645,000 $226,489 $8,265 3.64%
    Outside of Metro Areas 50 $10,600,000 $212,000 $5,513 3.22%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 25 $10,455,000 $418,200 $9,026 2.89%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 27 $9,925,000 $367,593 $11,123 3.40%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 45 $8,455,000 $187,889 $6,893 3.43%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 39 $8,305,000 $212,949 $3,633 2.79%
    JACKSONVILLE, FL (FHA|USDA|VA) » 38 $8,190,000 $215,526 $7,529 3.36%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 33 $8,035,000 $243,485 $9,506 3.43%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » 35 $8,025,000 $229,286 $8,708 3.27%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 33 $7,825,000 $237,121 $7,666 3.55%
    ST. LOUIS, MO-IL (FHA|USDA|VA) » 43 $7,085,000 $164,767 $5,248 3.52%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 30 $6,730,000 $224,333 $5,263 3.19%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 19 $6,235,000 $328,158 $5,278 2.76%
    COLUMBIA, SC (FHA|USDA|VA) » 34 $6,010,000 $176,765 $7,146 3.41%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) » 32 $5,890,000 $184,063 $7,307 3.70%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) » 21 $5,835,000 $277,857 $10,275 3.61%
    ST. GEORGE, UT (FHA|USDA|VA) » 15 $5,795,000 $386,333 $4,743 3.22%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » 27 $5,515,000 $204,259 $4,515 2.92%
    KANSAS CITY, MO-KS (FHA|USDA|VA) » 28 $4,800,000 $171,429 $6,097 3.46%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » 21 $4,565,000 $217,381 $5,061 3.14%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » 10 $4,390,000 $439,000 $11,792 3.03%
    SALEM, OR (FHA|USDA|VA) » 13 $4,225,000 $325,000 $5,755 3.15%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 20 $3,930,000 $196,500 $5,194 3.44%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » 21 $3,705,000 $176,429 $5,572 3.48%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 17 $3,695,000 $217,353 $7,293 3.23%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 11 $3,685,000 $335,000 $6,393 3.26%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » 10 $3,290,000 $329,000 $8,278 3.16%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) » 14 $3,190,000 $227,857 $7,919 3.62%
    Astoria, OR (FHA|USDA|VA) » 9 $3,025,000 $336,111 $5,374 3.19%
    STOCKTON, CA (FHA|USDA|VA) » 7 $2,955,000 $422,143 $11,820 3.27%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 10 $2,820,000 $282,000 $8,213 3.36%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » 8 $2,810,000 $351,250 $8,321 2.33%
    SAVANNAH, GA (FHA|USDA|VA) » 10 $2,530,000 $253,000 $8,738 3.86%
    CLEVELAND, TN (FHA|USDA|VA) » 15 $2,325,000 $155,000 $4,772 3.62%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) » 12 $2,250,000 $187,500 $4,490 3.09%
    OCALA, FL (FHA|USDA|VA) » 12 $2,220,000 $185,000 $6,920 3.76%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 11 $2,125,000 $193,182 $6,543 4.08%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) » 2 $2,070,000 $1,035,000 $14,080 2.75%
    GREELEY, CO (FHA|USDA|VA) » 9 $2,045,000 $227,222 $7,322 2.76%
    Plymouth, IN (FHA|USDA|VA) » 11 $1,935,000 $175,909 $6,630 3.49%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) » 6 $1,900,000 $316,667 $7,108 3.65%
    DALTON, GA (FHA|USDA|VA) » 10 $1,770,000 $177,000 $6,867 3.78%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) » 6 $1,760,000 $293,333 $6,205 3.69%
    LOGAN, UT-ID (FHA|USDA|VA) » 6 $1,690,000 $281,667 $6,919 3.02%
    FLORENCE, SC (FHA|USDA|VA) » 10 $1,680,000 $168,000 $7,549 3.38%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 5 $1,615,000 $323,000 $6,060 3.15%
    RENO, NV (FHA|USDA|VA) » 4 $1,580,000 $395,000 $7,960 3.31%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 7 $1,535,000 $219,286 $10,164 3.32%
    EL PASO, TX (FHA|USDA|VA) » 10 $1,450,000 $145,000 $5,411 2.75%
    EspaƱola, NM (FHA|USDA|VA) » 6 $1,420,000 $236,667 $8,478 3.23%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 7 $1,415,000 $202,143 $5,244 3.84%
    SPARTANBURG, SC (FHA|USDA|VA) » 6 $1,360,000 $226,667 $5,713 3.10%
    PANAMA CITY, FL (FHA|USDA|VA) » 4 $1,330,000 $332,500 $8,609 3.38%
    ALBANY-LEBANON, OR (FHA|USDA|VA) » 6 $1,320,000 $220,000 $6,141 2.89%
    Frankfort, IN (FHA|USDA|VA) » 9 $1,305,000 $145,000 $5,476 3.51%
    BURLINGTON, NC (FHA|USDA|VA) » 6 $1,300,000 $216,667 $4,788 3.23%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) » 3 $1,245,000 $415,000 $7,852 3.21%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) » 7 $1,225,000 $175,000 $6,108 2.98%
    ASHEVILLE, NC (FHA|USDA|VA) » 5 $1,185,000 $237,000 $5,833 3.10%
    LONGVIEW, WA (FHA|USDA|VA) » 6 $1,150,000 $191,667 $6,580 2.14%
    TUCSON, AZ (FHA|USDA|VA) » 4 $1,140,000 $285,000 $6,921 2.94%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) » 5 $1,055,000 $211,000 $4,216 3.18%
    WINSTON-SALEM, NC (FHA|USDA|VA) » 7 $1,025,000 $146,429 $3,918 3.23%
    PORT ST. LUCIE, FL (FHA|USDA|VA) » 4 $1,010,000 $252,500 $7,336 3.16%
    SUMTER, SC (FHA|USDA|VA) » 6 $950,000 $158,333 $7,454 3.90%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 6 $950,000 $158,333 $4,299 2.92%
    VISALIA, CA (FHA|USDA|VA) » 4 $930,000 $232,500 $6,859 3.66%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) » 2 $890,000 $445,000 $6,559 2.81%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) » 3 $875,000 $291,667 $9,951 2.92%
    TALLAHASSEE, FL (FHA|USDA|VA) » 5 $875,000 $175,000 $4,852 4.34%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » 2 $850,000 $425,000 $4,742 3.06%
    Rockport, TX (FHA|USDA|VA) » 3 $825,000 $275,000 $6,699 3.63%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » 2 $820,000 $410,000 $3,350 3.38%
    Prineville, OR (FHA|USDA|VA) » 2 $820,000 $410,000 $7,143 3.44%
    Jefferson, GA (FHA|USDA|VA) » 3 $795,000 $265,000 $9,949 4.13%
    Boone, NC (FHA|USDA|VA) » 2 $790,000 $395,000 $7,124 3.31%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) » 4 $790,000 $197,500 $6,250 3.00%
    WACO, TX (FHA|USDA|VA) » 3 $775,000 $258,333 $8,681 3.04%
    EAST STROUDSBURG, PA (FHA|USDA|VA) » 3 $735,000 $245,000 $7,580 3.37%
    FAYETTEVILLE, NC (FHA|USDA|VA) » 3 $725,000 $241,667 $7,506 2.96%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » 3 $715,000 $238,333 $7,926 4.54%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) » 4 $690,000 $172,500 $4,052 3.50%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) » 3 $675,000 $225,000 $2,987 2.96%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) » 5 $665,000 $133,000 $5,056 3.45%
    FORT COLLINS, CO (FHA|USDA|VA) » 2 $650,000 $325,000 $8,902 5.06%
    FRESNO, CA (FHA|USDA|VA) » 4 $650,000 $162,500 $5,116 1.81%
    Pahrump, NV (FHA|USDA|VA) » 4 $630,000 $157,500 $4,550 3.50%
    AMARILLO, TX (FHA|USDA|VA) » 5 $615,000 $123,000 $5,103 2.13%
    Elko, NV (FHA|USDA|VA) » 3 $615,000 $205,000 $8,967 3.58%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) » 3 $605,000 $201,667 $6,889 2.96%
    Seneca, SC (FHA|USDA|VA) » 1 $605,000 $605,000 $12,924 3.00%
    WARNER ROBINS, GA (FHA|USDA|VA) » 5 $605,000 $121,000 $5,965 4.73%
    Heber, UT (FHA|USDA|VA) » 2 $600,000 $300,000 $3,123 2.75%
    Athens, TN (FHA|USDA|VA) » 4 $600,000 $150,000 $5,432 3.56%
    Moses Lake, WA (FHA|USDA|VA) » 2 $590,000 $295,000 $6,863 3.50%
    Klamath Falls, OR (FHA|USDA|VA) » 2 $590,000 $295,000 $4,944 3.38%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 2 $580,000 $290,000 $8,915 3.63%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) » 4 $570,000 $142,500 $7,968 4.44%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 2 $570,000 $285,000 $3,527 3.25%
    READING, PA (FHA|USDA|VA) » 4 $560,000 $140,000 $6,706 3.78%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) » 2 $560,000 $280,000 $11,137 2.94%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 2 $550,000 $275,000 $2,674 2.50%
    Ukiah, CA (FHA|USDA|VA) » 1 $545,000 $545,000 $9,226 3.50%
    BEND, OR (FHA|USDA|VA) » 2 $530,000 $265,000 $5,001 3.38%
    YORK-HANOVER, PA (FHA|USDA|VA) » 2 $520,000 $260,000 $7,409 3.38%
    Taos, NM (FHA|USDA|VA) » 2 $520,000 $260,000 $11,148 3.69%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » 3 $495,000 $165,000 $5,978 4.29%
    Alice, TX (FHA|USDA|VA) » 1 $495,000 $495,000 $6,297 3.75%
    NAPA, CA (FHA|USDA|VA) » 3 $485,000 $161,667 $7,033 2.79%
    Statesboro, GA (FHA|USDA|VA) » 2 $460,000 $230,000 $7,766 2.94%
    Logansport, IN (FHA|USDA|VA) » 3 $455,000 $151,667 $6,266 4.04%
    LAS CRUCES, NM (FHA|USDA|VA) » 1 $455,000 $455,000 $3,641 2.38%
    SPRINGFIELD, MO (FHA|USDA|VA) » 2 $440,000 $220,000 $5,425 3.38%
    PUNTA GORDA, FL (FHA|USDA|VA) » 3 $435,000 $145,000 $6,727 3.08%
    Beeville, TX (FHA|USDA|VA) » 2 $430,000 $215,000 $8,720 3.06%
    Toccoa, GA (FHA|USDA|VA) » 1 $425,000 $425,000 $11,263 4.38%
    Key West, FL (FHA|USDA|VA) » 1 $425,000 $425,000 $5,157 2.00%
    Albemarle, NC (FHA|USDA|VA) » 1 $405,000 $405,000 $9,595 3.25%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) » 1 $395,000 $395,000 $9,566 3.13%
    HINESVILLE, GA (FHA|USDA|VA) » 2 $390,000 $195,000 $4,039 3.38%
    DAYTON-KETTERING, OH (FHA|USDA|VA) » 2 $380,000 $190,000 $7,406 2.75%
    Lake City, FL (FHA|USDA|VA) » 2 $380,000 $190,000 $6,489 3.56%
    JACKSONVILLE, NC (FHA|USDA|VA) » 1 $365,000 $365,000 $3,996 3.25%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) » 1 $365,000 $365,000 $3,898 2.75%
    Richmond, IN (FHA|USDA|VA) » 3 $365,000 $121,667 $4,297 3.58%
    Eureka-Arcata, CA (FHA|USDA|VA) » 1 $355,000 $355,000 $3,954 2.88%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » 2 $350,000 $175,000 $8,719 3.06%
    BATON ROUGE, LA (FHA|USDA|VA) » 2 $350,000 $175,000 $6,761 2.50%
    MERCED, CA (FHA|USDA|VA) » 2 $350,000 $175,000 $4,144 3.00%
    Cullowhee, NC (FHA|USDA|VA) » 1 $345,000 $345,000 $11,647 3.75%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) » 2 $330,000 $165,000 $5,347 3.50%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 2 $330,000 $165,000 $8,998 5.31%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) » 2 $330,000 $165,000 $6,031 3.25%
    JACKSON, MS (FHA|USDA|VA) » 2 $320,000 $160,000 $4,869 3.75%
    ROCKFORD, IL (FHA|USDA|VA) » 1 $315,000 $315,000 $4,119 3.63%
    Crossville, TN (FHA|USDA|VA) » 1 $305,000 $305,000 $4,215 3.88%
    Clearlake, CA (FHA|USDA|VA) » 1 $305,000 $305,000 $6,111 3.38%
    VICTORIA, TX (FHA|USDA|VA) » 1 $295,000 $295,000 $10,154 3.15%
    HUNTSVILLE, AL (FHA|USDA|VA) » 2 $290,000 $145,000 $4,052 2.50%
    The Dalles, OR (FHA|USDA|VA) » 1 $285,000 $285,000 $3,427 3.63%
    ST. CLOUD, MN (FHA|USDA|VA) » 2 $270,000 $135,000 $5,751 5.50%
    MOBILE, AL (FHA|USDA|VA) » 1 $265,000 $265,000 $5,198 2.75%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) » 1 $265,000 $265,000 $3,820 3.13%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) » 1 $265,000 $265,000 $4,909 3.38%
    EVANSVILLE, IN-KY (FHA|USDA|VA) » 1 $265,000 $265,000 $11,977 3.63%
    RICHMOND, VA (FHA|USDA|VA) » 1 $265,000 $265,000 $9,211 4.13%
    ROANOKE, VA (FHA|USDA|VA) » 2 $260,000 $130,000 $5,273 3.06%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) » 1 $255,000 $255,000 $4,047 3.25%
    Garden City, KS (FHA|USDA|VA) » 1 $255,000 $255,000 $8,270 3.38%
    Marshall, MN (FHA|USDA|VA) » 1 $255,000 $255,000 $8,094 2.38%
    GOLDSBORO, NC (FHA|USDA|VA) » 1 $245,000 $245,000 $8,361 3.38%
    Palatka, FL (FHA|USDA|VA) » 1 $245,000 $245,000 $9,030 3.13%
    WICHITA FALLS, TX (FHA|USDA|VA) » 2 $240,000 $120,000 $2,440 2.38%
    GRANTS PASS, OR (FHA|USDA|VA) » 1 $235,000 $235,000 $3,174 2.63%
    Red Bluff, CA (FHA|USDA|VA) » 1 $235,000 $235,000 $6,632 3.25%
    Las Vegas, NM (FHA|USDA|VA) » 1 $235,000 $235,000 $11,121 2.75%
    Dayton, TN (FHA|USDA|VA) » 2 $230,000 $115,000 $5,969 3.88%
    Eagle Pass, TX (FHA|USDA|VA) » 1 $225,000 $225,000 $4,700 2.63%
    Torrington, CT (FHA|USDA|VA) » 1 $225,000 $225,000 $10,596 3.13%
    Jamestown, ND (FHA|USDA|VA) » 1 $225,000 $225,000 $5,313 3.50%
    BOULDER, CO (FHA|USDA|VA) » 1 $225,000 $225,000 $4,335 3.99%
    MONTGOMERY, AL (FHA|USDA|VA) » 1 $225,000 $225,000 $7,869 2.88%
    Traverse City, MI (FHA|USDA|VA) » 1 $215,000 $215,000 $4,397 2.88%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 1 $215,000 $215,000 $10,252 7.25%
    Bay City, TX (FHA|USDA|VA) » 2 $210,000 $105,000 $4,686 2.00%
    Crawfordsville, IN (FHA|USDA|VA) » 1 $205,000 $205,000 $6,806 4.00%
    Uvalde, TX (FHA|USDA|VA) » 1 $205,000 $205,000 $5,047 2.88%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 1 $205,000 $205,000 $7,305 4.55%
    Cedar City, UT (FHA|USDA|VA) » 1 $205,000 $205,000 $5,584 2.00%
    THE VILLAGES, FL (FHA|USDA|VA) » 1 $205,000 $205,000 $10,236 4.38%
    GAINESVILLE, GA (FHA|USDA|VA) » 1 $205,000 $205,000 $7,233 3.37%
    Athens, TX (FHA|USDA|VA) » 2 $200,000 $100,000 $4,247 2.50%
    Deming, NM (FHA|USDA|VA) » 1 $195,000 $195,000 $7,302 2.88%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » 1 $195,000 $195,000 $5,042 4.13%
    GAINESVILLE, FL (FHA|USDA|VA) » 1 $195,000 $195,000 $6,585 3.75%
    TYLER, TX (FHA|USDA|VA) » 2 $190,000 $95,000 $2,394 2.06%
    Corsicana, TX (FHA|USDA|VA) » 2 $190,000 $95,000 $4,438 1.69%
    WILMINGTON, NC (FHA|USDA|VA) » 1 $185,000 $185,000 $3,238 2.63%
    LONGVIEW, TX (FHA|USDA|VA) » 1 $185,000 $185,000 $7,114 3.88%
    Newport, OR (FHA|USDA|VA) » 1 $185,000 $185,000 $5,949 2.75%
    Okeechobee, FL (FHA|USDA|VA) » 1 $175,000 $175,000 $2,912 3.50%
    Sanford, NC (FHA|USDA|VA) » 1 $175,000 $175,000 $4,455 3.25%
    SAN ANGELO, TX (FHA|USDA|VA) » 2 $170,000 $85,000 $3,608 1.75%
    Shelby, NC (FHA|USDA|VA) » 1 $165,000 $165,000 $3,716 3.13%
    GREENVILLE, NC (FHA|USDA|VA) » 1 $165,000 $165,000 $3,048 3.50%
    Jasper, AL (FHA|USDA|VA) » 1 $165,000 $165,000 $6,114 2.75%
    PITTSBURGH, PA (FHA|USDA|VA) » 1 $165,000 $165,000 $5,333 3.25%
    ROME, GA (FHA|USDA|VA) » 1 $165,000 $165,000 $9,008 2.63%
    Durango, CO (FHA|USDA|VA) » 1 $155,000 $155,000 $4,230 2.63%
    North Wilkesboro, NC (FHA|USDA|VA) » 1 $155,000 $155,000 $5,469 3.38%
    Arcadia, FL (FHA|USDA|VA) » 1 $155,000 $155,000 $4,021 3.38%
    OCEAN CITY, NJ (FHA|USDA|VA) » 1 $155,000 $155,000 $2,688 2.88%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 1 $155,000 $155,000 $4,055 2.99%
    LUBBOCK, TX (FHA|USDA|VA) » 1 $155,000 $155,000 $6,094 3.25%
    OKLAHOMA CITY, OK (FHA|USDA|VA) » 1 $145,000 $145,000 $5,267 3.38%
    Roseburg, OR (FHA|USDA|VA) » 1 $145,000 $145,000 $4,063 3.50%
    Natchitoches, LA (FHA|USDA|VA) » 1 $135,000 $135,000 $4,059 2.99%
    EL CENTRO, CA (FHA|USDA|VA) » 1 $135,000 $135,000 $4,412 3.38%
    PEORIA, IL (FHA|USDA|VA) » 1 $135,000 $135,000 $6,587 4.00%
    Warsaw, IN (FHA|USDA|VA) » 1 $135,000 $135,000 $4,696 2.88%
    Peru, IN (FHA|USDA|VA) » 1 $135,000 $135,000 $5,124 3.75%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) » 1 $125,000 $125,000 $6,524 3.13%
    Sikeston, MO (FHA|USDA|VA) » 1 $125,000 $125,000 $5,281 3.75%
    Calhoun, GA (FHA|USDA|VA) » 1 $115,000 $115,000 $5,254 3.50%
    Paris, TX (FHA|USDA|VA) » 1 $115,000 $115,000 $3,887 3.63%
    Big Spring, TX (FHA|USDA|VA) » 2 $110,000 $55,000 $3,201 1.81%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) » 1 $105,000 $105,000 $4,275 4.50%
    ALEXANDRIA, LA (FHA|USDA|VA) » 1 $105,000 $105,000 $4,448 2.25%
    Show Low, AZ (FHA|USDA|VA) » 1 $105,000 $105,000 $3,530 2.75%
    Wauchula, FL (FHA|USDA|VA) » 1 $105,000 $105,000 $3,563 3.00%
    Van Wert, OH (FHA|USDA|VA) » 1 $105,000 $105,000 $6,194 3.50%
    Price, UT (FHA|USDA|VA) » 1 $95,000 $95,000 $3,630 3.13%
    TOLEDO, OH (FHA|USDA|VA) » 1 $85,000 $85,000 $3,392 3.49%
    DOTHAN, AL (FHA|USDA|VA) » 1 $85,000 $85,000 $5,192 3.00%
    TERRE HAUTE, IN (FHA|USDA|VA) » 1 $65,000 $65,000 $5,126 3.75%
    Vernal, UT (FHA|USDA|VA) » 1 $65,000 $65,000 $2,145 3.15%

    Panorama Mortgage Group 's top markets include Los Angeles, Las Vegas, New York, Atlanta, and Portland among others.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 4,085 $1,158,915,000 $283,700 $5,441 3.21%
    FHA » 1,813 $520,955,000 $287,344 $11,039 3.35%
    VA » 248 $87,710,000 $353,669 $8,964 3.14%
    USDA » 57 $11,685,000 $205,000 $6,563 3.07%

    For the 2021 period, Panorama Mortgage Group 's most frequently originated loan type of loans were Conventional, with 4,085 originations. Their 2nd most popular type is FHA, with 1,813 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Home Purchase » 4,289 $1,212,615,000 $282,727 $7,823 3.27%
    Refi » 1,068 $318,130,000 $297,875 $5,581 3.07%
    Cash Out Refi » 733 $218,995,000 $298,765 $6,386 3.32%
    Other » 102 $26,200,000 $256,863 $5,777 3.56%
    Home Improvement » 11 $3,325,000 $302,273 $6,923 3.21%

    For the 2021, Panorama Mortgage Group 's most frequently cited loan purpose of loans were Home Purchase, with 4,289 originations. The 2nd most popular reason of loans were Refi, with 1,068 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 5,741 $1,689,045,000 $294,207 $7,487 3.25%
    15 Year » 207 $45,785,000 $221,184 $4,786 2.78%
    20 Year » 98 $26,960,000 $275,102 $5,264 3.03%
    10 Year » 96 $4,280,000 $44,583 $840 5.23%
    Other » 47 $13,095,000 $278,617 $5,890 3.11%
    3 Year » 14 $100,000 $7,143 $11 0.00%

    For the 2021, Panorama Mortgage Group 's most frequently cited loan length of loans were 30 Year, with 5,741 originations. The 2nd most popular length of loans were 15 Year, with 207 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $1k-2k » 2,302 $705,400,000 $306,429
    $2k-3k » 1,116 $295,510,000 $264,794
    $5k+ » 1,050 $399,360,000 $380,343
    $3k-4k » 664 $185,640,000 $279,578
    $<1k » 547 $38,135,000 $69,717
    $4k-5k » 519 $154,395,000 $297,486

    $7,487 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 2,302 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% » 3,491 $1,059,395,000 $303,465
    2.5-3% » 1,588 $514,030,000 $323,696
    <2.5% » 574 $87,050,000 $151,655
    4-5% » 366 $91,900,000 $251,093
    5-6% » 63 $1,605,000 $25,476
    7-8% » 61 $8,945,000 $146,639
    6-7% » 52 $14,960,000 $287,692
    Over 8% » 8 $1,380,000 $172,500

    During 2021, Panorama Mortgage Group 's average interest rate of loans were 3.25%, while their most frequently originated rate bucket of loans were 3-4%, with 3,491 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k » 3,008 $866,480,000 $288,059 $7,805 3.35%
    $100k-200k » 1,374 $218,590,000 $159,090 $5,714 3.49%
    $400k-600k » 1,056 $509,430,000 $482,415 $9,457 3.24%
    $100,000 or less » 528 $15,030,000 $28,466 $1,100 2.12%
    $600k-1MM » 229 $160,445,000 $700,633 $12,334 3.21%
    $1MM+ » 8 $9,290,000 $1,161,250 $13,650 2.94%

    2021 saw Panorama Mortgage Group place emphasis on $200k-400k loans with 3,008 originations, totaling $866,480,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k » 1,849 $429,685,000 $232,388 $6,982 3.24%
    $50k or less » 1,256 $219,830,000 $175,024 $5,983 3.26%
    $75k-100k » 1,239 $380,835,000 $307,373 $7,722 3.27%
    $100k-150k » 1,124 $415,040,000 $369,253 $8,120 3.21%
    $150k-250k » 497 $223,515,000 $449,728 $8,198 3.28%
    $250k+ » 160 $81,380,000 $508,625 $7,660 3.34%

    Panorama Mortgage Group lent most frequently to those with incomes in the $50k-75k range, with 1,849 originations. The second most popular income band? $50k or less, with 1,256 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% » 853 $243,755,000 $285,762 $6,507 3.33%
    50-60% » 782 $230,870,000 $295,230 $10,612 3.19%
    20-30% » 706 $210,290,000 $297,861 $5,679 3.24%
    49% » 373 $105,075,000 $281,702 $7,321 3.28%
    44% » 346 $95,610,000 $276,329 $7,209 3.12%
    42% » 314 $90,100,000 $286,943 $6,563 3.28%
    43% » 294 $86,790,000 $295,204 $7,452 3.16%
    41% » 265 $79,985,000 $301,830 $7,150 3.21%
    48% » 258 $76,500,000 $296,512 $8,016 3.33%
    40% » 246 $66,890,000 $271,911 $6,820 3.10%
    <20% » 235 $56,575,000 $240,745 $4,798 3.22%
    46% » 232 $65,850,000 $283,836 $8,051 3.40%
    39% » 229 $66,895,000 $292,118 $6,537 3.29%
    45% » 228 $66,400,000 $291,228 $7,103 3.35%
    47% » 213 $62,765,000 $294,671 $7,846 3.32%
    36% » 190 $54,530,000 $287,000 $6,171 3.32%
    37% » 186 $48,710,000 $261,882 $6,707 3.29%
    38% » 182 $51,680,000 $283,956 $6,448 3.28%
    >60% » 18 $6,670,000 $370,556 $10,064 2.83%

    Panorama Mortgage Group lent most frequently to those with DTI ratios of 30-36%, with 853 originations. The next most common DTI ratio? 50-60%, with 782 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 4,514 $1,280,140,000 $283,593 $7,154 3.26%
    Not provided » 808 $242,310,000 $299,889 $7,187 3.19%
    Black » 615 $166,925,000 $271,423 $7,918 3.30%
    Asian » 177 $63,615,000 $359,407 $7,150 3.13%
    American Indian » 52 $14,190,000 $272,885 $7,663 3.30%
    Asian Indian » 14 $5,800,000 $414,286 $6,075 3.29%
    Filipino » 8 $2,750,000 $343,750 $6,993 2.95%
    Native Hawaiian or Islander » 6 $1,420,000 $236,667 $5,331 3.54%
    Other Asian » 2 $520,000 $260,000 $9,631 3.38%
    Korean » 1 $305,000 $305,000 $4,906 3.13%
    Native Hawaiian » 1 $285,000 $285,000 $3,427 3.63%
    Other Pacific Islander » 1 $285,000 $285,000 $4,398 2.88%
    Chinese » 1 $245,000 $245,000 $4,062 3.25%
    Samoan » 2 $240,000 $120,000 $3,022 1.81%
    Japanese » 1 $235,000 $235,000 $5,099 3.25%

    Approval Rates

    Total approvals of all applications
    93.96%

    Panorama Mortgage Group has an average approval rate.

    Pick Rate

    Approvals leading to origination
    61.45%

    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 6,203 $1,779,265,000 $286,839

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 6,203 $1,779,265,000 $286,839

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 169 $34,935,000 $206,716 $4,669 2.99%
    40-60% » 491 $133,575,000 $272,047 $5,080 3.05%
    60-80% » 1,591 $503,655,000 $316,565 $6,483 3.51%
    80-100% » 3,489 $1,078,895,000 $309,228 $8,702 3.35%
    Over 100% » 58 $21,520,000 $371,034 $13,991 3.08%
    Under 20% » 403 $6,125,000 $15,199 $127 1.68%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Panorama Mortgage Group, LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%