Panorama Mortgage Group in New Jersey vs the state
4.6%Denial rate-13.10 pts vs state
6.8%Decision denial rate-16.29 pts vs state
63.3%Origination rate+7.60 pts vs state
6.50%Median rate-0.25 pts vs state
0.56Rate spread (pts)+0.28 pts vs state
$140kMedian applicant income
193Loans originated
14Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 249 | 158 | 4.4% | 6.99% | #158 |
| 2024 | 365 | 229 | 2.5% | 6.75% | #133 |
| 2025 | 305 | 193 | 4.6% | 6.50% | #164 |
What Panorama Mortgage Group lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Panorama Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Union County | 63 | 44 | 2 | 3.2% |
| Middlesex County | 57 | 29 | 2 | 3.5% |
| Essex County | 42 | 24 | 3 | 7.1% |
| Ocean County | 21 | 14 | 1 | 4.8% |
| Monmouth County | 20 | 8 | 2 | 10.0% |
| Burlington County | 18 | 12 | 1 | 5.6% |
| Somerset County | 17 | 12 | 2 | 11.8% |
| Morris County | 14 | 6 | 0 | 0.0% |
| Passaic County | 14 | 13 | 0 | 0.0% |
| Mercer County | 10 | 7 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 305 applications in 2025, of which 193 were originated and 14 denied.
4.6% of all applications, or 6.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Panorama Mortgage Group originated in New Jersey in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Panorama Mortgage Group's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology