The Mortgage Record
Lender report card · New Jersey

Panorama Mortgage Group, Llc

Las Vegas, NV · What the federal mortgage record shows about how Panorama Mortgage Group, Llc treated New Jersey applicants, 2018–2025 — 2,688 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
85.9%
2,309 approved
Denial rate
14.1%
379 denied
Decisions
2,688
2018–2025
Avg. rate spread
+1.10 pp
vs. market benchmark
85.9% approved
14.1% denied

Share of 2,688 New Jersey applications Panorama Mortgage Group, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional89.1% of 1,255 · NJ 87%FHA82.3% of 1,329 · NJ 79%VA93.3% of 104 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

69%76%83%90%97%73%77%89%95%93%95%96%93%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Panorama Mortgage Group, Llc’s rates ran +0.54 pp higher than the typical New Jersey lender (average rate spread +1.10 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Panorama Mortgage Group, Llc approves

By income
Under $50k73.0% · 163$50–75k81.9% · 547$75–100k87.0% · 749$100–150k87.8% · 817$150–250k90.9% · 329$250k+88.9% · 72
By debt-to-income
Under 36%90.5% · 37936–43%88.9% · 47843–50%89.1% · 1,018Over 50%77.9% · 778
By down payment (LTV)
20%+ down92.3% · 65110–20% down88.9% · 2525–10% down92.6% · 3513–5% down86.7% · 735Under 3% down88.7% · 97

Why Panorama Mortgage Group, Llc denied applications

Debt-to-income ratio28% of denialsIncomplete application17% of denialsUnverifiable information17% of denialsCollateral (value/type)15% of denialsCredit history14% of denialsInsufficient cash to close11% of denials

Where Panorama Mortgage Group, Llc lends in NJ

CountyDecisionsApproval
Union County57085.6%
Middlesex County42793.7%
Essex County35780.7%
Passaic County24584.1%
Bergen County24283.1%
Hudson County15581.3%
Morris County11287.5%
Monmouth County11291.1%

Fees & closing costs

Median total loan costs
$12,396
home purchase
As % of loan
3.75%
NJ median 1.93%
Priced originations
1,850
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Panorama Mortgage Group, Llc’s home-purchase originations — 1.82 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $466. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Panorama Mortgage Group, Llc to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Panorama Mortgage Group, Llc (LEI 549300FVD3YHE65PKH97). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →