Panorama Mortgage Group is a national lender with multiple brands under its umbrella, and aims to provide tailored solutions through their different lending companies. They cover conventional, FHA, VA, and niche loan products.
See today’s mortgage interest rates on TrueRate.
How Panorama Mortgage compares to other mortgage lenders
| Headquarters | Las Vegas, NV |
| Website | panoramamortgage.com |
| Rate | 0.13% higher than the median rate |
| Lender fees | $1,595 (median on Panorama loans) |
| Added cost after 1 year, compared to the median interest rate | $57 |
| Added cost after 10 years, compared to the median interest rate | $3,922 |
| Added cost after 1 year (vs. Tomo Mortgage) | $2,636 |
| Added cost after 10 years (vs. Tomo Mortgage) | $15,106 |
For a $400,000 mortgage, Panorama Mortgage’s rates—about 0.13% higher than the market median—and $1,595 in lender fees would result in borrowers paying approximately $57 more in the first year and just under $4,000 more over 10 years compared to the median lender. When compared to low-cost lenders like Tomo Mortgage, that gap grows to over $15,000—making it essential to weigh long-term affordability.
What customers are saying
Some borrowers appreciated Panorama Mortgage Group’s range of loan products, including FHA, VA, and conventional loans. Customers noted competitive rates and said the company was helpful in guiding them through the mortgage process. Panorama is BBB-accredited with an A+ rating since 2018, signaling adherence to basic business standards.
However, several reviews raised concerns about communication gaps and operational delays. Borrowers reported difficulties reaching representatives, inconsistent updates during key stages of the loan process, and slow resolution of issues. Loan servicing problems were also noted, including escrow account errors, billing disputes, and confusion after mortgages were transferred to other companies.
How to compare mortgage lenders
Interest rates. Comparing rates between lenders isn’t always straightforward. Many promote low headline rates that require paying “points” upfront to buy down the interest rate. To make a true comparison, focus on the par rate (0 points) and the APR, which reflects both the interest rate and any lender fees. Even small differences can translate into significant savings over the life of the loan.
Lender fees or loan origination fees. Many lenders charge fees that add thousands to the cost of a loan. It’s important to look at both the rate and the fees together to understand the true cost of borrowing. For a $400,000 mortgage, avoiding even a $1,000 fee could contribute to meaningful savings in the first year and over the long term.
On-time close rate. Most lenders do not publicly share their on-time close rates. However, it’s a critical factor—especially if your home contract has tight deadlines. Asking about their process for meeting close dates, including underwriting and document review timelines, can give you more confidence when choosing a lender.
Pre-approval and offer letters. Some lenders offer fast pre-qualifications that may not be fully underwritten, which can weaken your offer in competitive markets. It’s important to ask whether a lender’s pre-approvals are fully underwritten and how credible their letters are when presented with an offer.
Customer satisfaction. If detailed customer review data isn’t readily available, check third-party review sites or ask the lender for references. It’s important to understand how they handle communication, responsiveness, and issue resolution throughout the loan process.
Employee reviews. Company culture often influences how clients are treated. A lender with strong employee satisfaction typically delivers better service, more organized processing, and a smoother overall experience for borrowers.
To better understand how we compare mortgage rates fairly, see our TrueRate Methodology.
If you’re ready to start your journey to homeownership, get pre-approved with Tomo Mortgage today.