Purchase Originations
793
Ranked #455 nationally
Median Total Costs
$12,907
+93.2% vs national ($6,680)
↑ $436 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$5,124
Median Lender Credits
$317
Cost Rank (500+ vol.)
#586
among lenders with 500+ originations
Denial Rate
1.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 413 | 6.625% | $15,205 | $5,475 |
| conventional | 341 | 6.750% | $8,137 | $4,837 |
| va | 37 | 6.500% | $13,676 | $4,374 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 155 | 6.500% | $20,296 | #75 |
| Nevada | 133 | 6.750% | $13,973 | #54 |
| California | 95 | 6.125% | $14,752 | #206 |
| Indiana | 85 | 6.500% | $7,293 | #138 |
| Florida | 71 | 6.625% | $12,009 | #270 |
| Georgia | 70 | 6.812% | $14,005 | #168 |
| Texas | 54 | 6.750% | $11,279 | #335 |
| North Carolina | 33 | 6.750% | $9,051 | — |
| Virginia | 25 | 6.990% | $12,944 | — |
| Illinois | 12 | 6.875% | $14,152 | — |
| Missouri | 12 | 6.812% | $7,316 | — |
| Colorado | 7 | 7.250% | $14,033 | — |
| Kentucky | 6 | 6.812% | $4,656 | — |
| Kansas | 5 | 6.750% | $9,868 | — |
| Wisconsin | 5 | 6.990% | $6,488 | — |
| Oregon | 4 | 6.495% | $12,936 | — |
| Pennsylvania | 4 | 6.688% | $15,321 | — |
| Alabama | 3 | 6.750% | $10,168 | — |
| Connecticut | 3 | 6.750% | $14,639 | — |
| Washington | 3 | 7.250% | $5,087 | — |
| Maryland | 2 | 6.625% | $22,832 | — |
| Ohio | 2 | 7.745% | $10,843 | — |
| Michigan | 1 | 7.125% | $5,862 | — |
| Montana | 1 | 7.000% | $9,762 | — |
| New Mexico | 1 | 6.500% | $6,250 | — |
| South Carolina | 1 | 6.500% | $7,813 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,066 | 6.625% | — | 39 | −$5,841 | |
| 2 | $8,143 | 6.750% | — | 20 | −$4,764 | |
| 3 | $9,779 | 6.500% | — | 15 | −$3,128 | |
| 4 | $10,458 | 6.812% | — | 14 | −$2,449 | |
| 5 | $11,051 | 6.750% | — | 12 | −$1,856 | |
| 6 | $11,238 | 6.625% | — | 10 | −$1,669 | |
| 7 | $11,924 | 6.500% | — | 26 | −$983 | |
| 8 | $12,299 | 6.750% | — | 11 | −$608 | |
| 9 | $12,589 | 6.375% | — | 16 | −$318 | |
| 10 | $12,944 | 6.990% | — | 15 | +$37 | |
| 11 | $13,327 | 6.875% | — | 11 | +$420 | |
| 12 | $13,518 | 6.750% | — | 36 | +$611 | |
| 13 | $13,930 | 6.750% | — | 130 | +$1,023 | |
| 14 | $14,555 | 6.375% | — | 15 | +$1,648 | |
| 15 | $16,690 | 6.625% | — | 9 | +$3,783 | |
| 16 | $17,281 | 5.875% | — | 37 | +$4,374 | |
| 17 | $21,594 | 6.495% | — | 22 | +$8,687 | |
| 18 | $23,081 | 6.250% | — | 38 | +$10,174 | |
| 19 | $24,502 | 6.562% | — | 18 | +$11,595 | |
| 20 | $25,164 | 6.490% | — | 11 | +$12,257 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Panorama Mortgage Group, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $12,907 | $7,127 | +$5,780 (+81.1%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.