# PARAGON HOME LOANS INC.

> **Canonical URL:** https://saferate.com/lenders/paragon-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PARAGON HOME LOANS INC. is a independent mortgage company, headquartered in EAST SYRACUSE, NY, serving borrowers across 3 states, with 63 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493007WEU5TWM8J0Z93
- **Headquarters:** EAST SYRACUSE, NY
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, NY, PA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.514%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,695
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 63
- **Dollar Volume:** $12 million
- **Applications Received:** 82
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $189,127
- **Average Borrower Income:** $102,794
- **Average Property Value:** $220,873

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 27/100 | 39 | +0.391% | $2,721 | Acceptable 🙂 |
| FHA | 51/100 | 15 | +0.732% | $2,654 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 37 loans, Score: 29/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 61 | $11M | +0.519% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 57 | 0.05% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Syracuse, NY | NY | 29 | 61/100 |
| Non |  | 17 | 36/100 |

## Where This Lender Ranks

PARAGON HOME LOANS INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Syracuse, NY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Syracuse, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does PARAGON HOME LOANS INC. offer?

PARAGON HOME LOANS INC. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PARAGON HOME LOANS INC. offer mortgages?

PARAGON HOME LOANS INC. offers mortgages in 3 states: FL, NY, PA.

### How competitive are PARAGON HOME LOANS INC.'s mortgage rates?

PARAGON HOME LOANS INC. has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.514% above market average.

### What type of lender is PARAGON HOME LOANS INC.?

PARAGON HOME LOANS INC. is a non-depository lender that specializes in mortgage origination, headquartered in EAST SYRACUSE, NY.

### What is PARAGON HOME LOANS INC.'s loan approval success rate?

PARAGON HOME LOANS INC. has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/paragon-home-loans

### How to Cite

> "PARAGON HOME LOANS INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/paragon-home-loans

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