Panorama Mortgage Group Rates, Fees & Info
CARSON CITY, NVLEI: 549300FVD3YHE65PKH97
Tax ID: 20-8083209
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Mortgage Data
Review & 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 by origination volume include: Los Angeles, Las Vegas, New York, Oxnard, and Atlanta among others. We have data for 214 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 an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) 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 the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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 | 6.73% | 12/16/24 |
| 30 Year Conventional Refi | 7.01% | 12/16/24 |
| 30 Year Cash-out Refi | 7.13% | 12/16/24 |
| 30 Year FHA Purchase | 7.73% | 12/16/24 |
| 30 Year FHA Refi | 7.16% | 12/16/24 |
| 30 Year VA Purchase | 6.56% | 12/16/24 |
| 30 Year USDA Purchase | 7.10% | 12/16/24 |
| 15 Year Conventional Purchase | 7.03% | 12/16/24 |
| 15 Year Conventional Refi | 6.63% | 12/16/24 |
| 15 Year Cash-out Refi | 6.63% | 12/16/24 |
| 15 Year VA Refi | 5.68% | 12/16/24 |
| 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. | ||
Panorama Mortgage Group Mortgage Calculator
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This is not an official calculator from Panorama Mortgage Group. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,608Origination Dollar Volume (All Markets)
$1,669,940,000Awards
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PANORAMA MORTGAGE GROUP - 2020
PANORAMA MORTGAGE GROUP is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 822 | $304,100,000 | $369,951 | $7,440 | 3.07% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 611 | $128,585,000 | $210,450 | $5,314 | 2.83% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 317 | $106,945,000 | $337,366 | $10,472 | 3.40% |
| 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% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 154 | $49,270,000 | $319,935 | $8,040 | 2.85% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 141 | $39,035,000 | $276,844 | $8,084 | 3.62% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 199 | $38,525,000 | $193,593 | $5,275 | 3.55% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 183 | $37,535,000 | $205,109 | $6,885 | 3.51% |
| 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% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 155 | $32,325,000 | $208,548 | $5,892 | 3.44% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 106 | $30,310,000 | $285,943 | $6,439 | 3.41% |
| PROVO-OREM, UT (FHA|USDA|VA) | 100 | $28,890,000 | $288,900 | $4,479 | 3.19% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 134 | $26,380,000 | $196,866 | $5,706 | 3.13% |
| 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% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 126 | $19,270,000 | $152,937 | $4,652 | 4.04% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 54 | $17,170,000 | $317,963 | $8,787 | 3.24% |
| 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% |
| 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% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 42 | $10,190,000 | $242,619 | $2,565 | 3.81% |
| 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% |
| Outside of Metro Areas | 36 | $5,790,000 | $160,833 | $5,777 | 3.57% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 25 | $5,495,000 | $219,800 | $7,141 | 3.48% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 20 | $5,490,000 | $274,500 | $6,355 | 3.21% |
| 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% |
| LOUISVILLE, KY (FHA|USDA|VA) | 19 | $2,835,000 | $149,211 | $5,057 | 4.27% |
| Heber, UT (FHA|USDA|VA) | 6 | $2,770,000 | $461,667 | $3,481 | 3.04% |
| 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% |
| Frankfort, IN (FHA|USDA|VA) | 19 | $2,355,000 | $123,947 | $4,359 | 4.13% |
| 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% |
| 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% |
| 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% |
| MERCED, CA (FHA|USDA|VA) | 9 | $1,285,000 | $142,778 | $5,465 | 3.08% |
| Española, NM (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $10,758 | 3.40% |
| Plymouth, IN (FHA|USDA|VA) | 8 | $1,200,000 | $150,000 | $5,803 | 3.81% |
| 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% |
| 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% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $6,141 | 2.56% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $6,123 | 2.67% |
| MUSKEGON, MI (FHA|USDA|VA) | 7 | $825,000 | $117,857 | $3,426 | 3.77% |
| 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% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,830 | 4.31% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,099 | 2.88% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $3,973 | 3.70% |
| MADISON, WI (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,188 | 3.50% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $14,516 | 3.75% |
| Richmond, IN (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $3,200 | 2.90% |
| 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% |
| Key West, FL (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $9,015 | 3.63% |
| 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% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,223 | 3.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $9,672 | 3.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,928 | 2.88% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,360 | 3.63% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $7,780 | 4.99% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $10,000 | 3.44% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $10,063 | 3.63% |
| 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% |
| Dayton, TN (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,860 | 3.83% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $6,634 | 3.46% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,118 | 3.38% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,341 | 4.06% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,395 | 3.19% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,271 | 3.31% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,448 | 2.50% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,644 | 4.13% |
| 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% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $14,231 | 3.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $5,115 | 3.38% |
| Las Vegas, NM (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $4,273 | 3.03% |
| HAMMOND, LA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,004 | 4.54% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $6,092 | 2.54% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,598 | 3.63% |
| 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% |
| Athens, TN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,893 | 3.06% |
| 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% |
| Boone, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,793 | 2.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,508 | 2.50% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,663 | 2.75% |
| Crawfordsville, IN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,493 | 3.75% |
| Fallon, NV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,409 | 2.75% |
| Marshalltown, IA (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $3,589 | 3.46% |
| 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% |
| Centralia, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,484 | 2.75% |
| Salem, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,355 | 4.44% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,814 | 3.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,626 | 2.63% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,262 | 3.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,481 | 7.13% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,254 | 4.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,145 | 4.94% |
| 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% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,594 | 3.63% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,989 | 3.75% |
| Vernal, UT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,441 | 2.75% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,875 | 4.13% |
| Holland, MI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,225 | 3.56% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $6,257 | 5.44% |
| 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% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,536 | 3.25% |
| 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% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,777 | 2.88% |
| Albertville, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,201 | 3.00% |
| DOVER, DE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.00% |
| Torrington, CT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,550 | 3.13% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,199 | 3.38% |
| 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% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,553 | 3.13% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,419 | 3.38% |
| Logansport, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,812 | 3.44% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,367 | 3.50% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,955 | 9.63% |
| 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% |
| Sterling, IL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,458 | 3.56% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,064 | 3.13% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,110 | 2.75% |
| MADERA, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,614 | 3.99% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,027 | 4.75% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,070 | 3.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,705 | 2.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,789 | 2.75% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,058 | 3.75% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,847 | 4.75% |
| Summerville, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,226 | 2.50% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,659 | 2.88% |
| Middlesborough, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,977 | 4.13% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,114 | 3.75% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,472 | 2.75% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,296 | 4.25% |
| ENID, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,476 | 4.88% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,912 | 2.63% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,444 | 3.13% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,674 | 2.88% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,940 | 3.63% |
| Decatur, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,530 | 4.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,732 | 3.13% |
| Dublin, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,461 | 4.00% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,542 | 4.50% |
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Product Mix
For 2020, Panorama Mortgage Group's most frequently originated type of loan was Conventional, with 4,184 originations. Their 2nd most popular type was FHA, with 2,099 originations.
Loan Reason
For 2020, Panorama Mortgage Group's most frequently cited loan purpose was Home Purchase, with 4,237 originations. The 2nd most popular reason was Refi, with 1,581 originations.
Loan Duration/Length
For 2020, Panorama Mortgage Group's most frequently cited loan duration was 30 Year, with 5,984 originations. The 2nd most popular length was 15 Year, with 261 originations.
Origination Fees/Closing Costs
Panorama Mortgage Group's average total fees were $6,903, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,510 originations.
Interest Rates
During 2020, Panorama Mortgage Group's average interest rate for loans was 3.28%, while their most frequently originated rate bucket for loans was 3-4%, with 2,954 originations.
Loan Sizing
2020 saw Panorama Mortgage Group place emphasis on $200k-400k loans with 2,980 originations, totaling $844,190,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications94.02%
Panorama Mortgage Group has an average approval rate.
Pick Rate
Approvals leading to origination60.05%
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
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Panorama Mortgage Group, LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 14.3% |
| Panorama Mortgage Group, LLC | Conventional home mortgage | Closing on a mortgage | 3 | 42.9% |
| Panorama Mortgage Group, LLC | FHA mortgage | Closing on a mortgage | 2 | 28.6% |
| Panorama Mortgage Group, LLC | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 14.3% |