Panorama Mortgage Group in California vs the state
1.1%Denial rate-16.32 pts vs state
1.8%Decision denial rate-20.58 pts vs state
59.7%Origination rate+3.47 pts vs state
6.50%Median rate-0.13 pts vs state
0.25Rate spread (pts)-0.03 pts vs state
$111kMedian applicant income
216Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 365 | 235 | 2.5% | 6.63% | #264 |
| 2024 | 298 | 202 | 1.0% | 6.63% | #304 |
| 2025 | 362 | 216 | 1.1% | 6.50% | #298 |
What Panorama Mortgage Group lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Panorama Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 120 | 76 | 2 | 1.7% |
| Tulare County | 53 | 24 | 0 | 0.0% |
| Riverside County | 34 | 19 | 0 | 0.0% |
| San Bernardino County | 23 | 18 | 0 | 0.0% |
| Contra Costa County | 16 | 8 | 0 | 0.0% |
| Ventura County | 15 | 5 | 0 | 0.0% |
| Kern County | 15 | 12 | 0 | 0.0% |
| Kings County | 13 | 11 | 0 | 0.0% |
| Fresno County | 12 | 5 | 0 | 0.0% |
| San Diego County | 9 | 6 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 362 applications in 2025, of which 216 were originated and 4 denied.
1.1% of all applications, or 1.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Panorama Mortgage Group originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Panorama Mortgage Group's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology