What loan types does Paragon Home Loans offer?

Paragon Home Loans offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Paragon Home Loans offer mortgages?

Paragon Home Loans offers mortgages in 3 states: FL, NY, PA.

How competitive are Paragon Home Loans's mortgage rates?

Paragon Home Loans has an overall pricing score of 31.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Paragon Home Loans?

Paragon Home Loans is a Independent Mortgage Company headquartered in EAST SYRACUSE, NY.

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Paragon Home Loans

Independent Mortgage Company•East Syracuse, NYHQ•Direct•Reviews near you on Google

Paragon Home Loans has 63 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 51 basis points above market average

Explore another lender or local market

Report Card

Paragon Home Loans performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+51.4 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

39 loans · 0.39% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

15 loans · 0.73% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

61 loans · 0.52% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Sound	39	61.9%	+0.391%Above	$2,721Fees
FHA Loans	Sound	Sound	—	Strong	15	23.8%	+0.732%Above	$2,654Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume39

Mix61.9%

Spread

+0.391%Above

Fees

$2,721Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume15

Mix23.8%

Spread

+0.732%Above

Fees

$2,654Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Sound	61	96.8%	+0.519%Above	$2,704Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume61

Mix96.8%

Spread

+0.519%Above

Fees

$2,704Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$11 million

Pricing & Closing

Avg Rate Spread

+0.514%

vs. market APOR

Avg Net Fees

$2,695

Origination − Credits

Pullthrough Rate

76.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$189,127

Avg Borrower Income

$102,794

Avg Property Value

$220,873

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 5050+None

Northeast2

NYPA

South1

Top Metro Areas by Place Specialization Score

Syracuse, NYMetro

Volume 29Mix 46.03% of portfolio

61/100

Strong

Top States by Place Specialization Score

New YorkState

Volume 57Mix 90.48% of portfolio

64/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.