We analyzed every closed loan from Paramount Bank — 533 loans across 891 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Paramount Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+21.7 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
375 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
FHA
96 loans · 0.44% above market
Strong
Top 40% of lenders
4/5
VA
48 loans · 0.46% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
463 loans · 0.23% above market
Sound
Top 60% of lenders
3/5
Refinance
70 loans · 0.15% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 9 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 | 375 | 70.4% | +0.214%Above | $1,856Fees | ||||
FHA Loans | 96 | 18.0% | +0.442%Above | $2,069Fees | ||||
VA Loans | — | 48 | 9.0% | -0.456%Below | $3,332Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume375
Mix70.4%
Spread
+0.214%Above
Fees
$1,856Fees
FHA Loans
OverallSound
ProductStrong
PricingStrong
Pull ThroughSound
Volume96
Mix18.0%
Spread
+0.442%Above
Fees
$2,069Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume48
Mix9.0%
Spread
-0.456%Below
Fees
$3,332Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 463 | 86.9% | +0.229%Above | $1,915Fees | ||||
Refinance | 70 | 13.1% | +0.149%Above | $2,086Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume463
Mix86.9%
Spread
+0.229%Above
Fees
$1,915Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume70
Mix13.1%
Spread
+0.149%Above
Fees
$2,086Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
533
Applications
891
Volume
$192 million
Pricing & Closing
Avg Rate Spread
+0.217%
vs. market APOR
Avg Net Fees
$1,941
Origination − Credits
Pullthrough Rate
59.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$361,585
Avg Borrower Income
$163,910
Avg Property Value
$486,520
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
33
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
33Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast4
MANJNYVT
Midwest9
IAILINKSMIMNMOOHWI
South12
ALARDCFLGAMDMSNCSCTNTXVA
West8
AZCAHINMNVORWAWY
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
Showing 10 of 11 states
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.