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Paramount Bank
Bank|Hazelwood, MO|Near-National
Loans Originated
533
Applications
891
Volume
$192 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.217%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,941
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Report Card
Paramount Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 9 metro areas · 33 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$361,585
Average Borrower Income
$163,910
Average Property Value
$486,520
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Acceptable | 375 | 70.4% | +0.214% | $1,856 |
FHA Loans | Strong | Strong | Strong | Sound | 96 | 18.0% | +0.442% | $2,069 |
VA Loans | Strong | Strong | N/A | Strong | 48 | 9.0% | -0.456% | $3,332 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Acceptable | 463 | 86.9% | +0.229% | $1,915 |
Refinance | Sound | Sound | Sound | Acceptable | 70 | 13.1% | +0.149% | $2,086 |
Geographic Coverage
Metro Areas
8
States Served
33
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
St. Louis, MO, MO-ILMSA
Volume: 243Mix: 45.59%
Place Specialization
Exceptional
2
Myrtle Beach, SCMSA
Volume: 17Mix: 3.19%
Place Specialization
Sound
3
Charlotte, NC-SCMSA
Volume: 16Mix: 3.00%
Place Specialization
Sound
4
Arlington, VA-WVMSA
Volume: 14Mix: 2.63%
Place Specialization
Sound
5
Kansas City, MO, MO-KSMSA
Volume: 13Mix: 2.44%
Place Specialization
Sound
6
Chicago, ILMSA
Volume: 12Mix: 2.25%
Place Specialization
Sound
7
Tampa, FL, FLMSA
Volume: 11Mix: 2.06%
Place Specialization
Sound
8
Oakland, CAMSA
Volume: 10Mix: 1.88%
Place Specialization
Sound
Top States by Place Specialization Score
1
MOState
Volume: 231Mix: 43.34%
Place Specialization
Strong
2
ILState
Volume: 48Mix: 9.01%
Place Specialization
Sound
3
NCState
Volume: 39Mix: 7.32%
Place Specialization
Sound
4
SCState
Volume: 27Mix: 5.07%
Place Specialization
Sound
5
CAState
Volume: 28Mix: 5.25%
Place Specialization
Sound
6
ORState
Volume: 14Mix: 2.63%
Place Specialization
Sound
7
FLState
Volume: 23Mix: 4.32%
Place Specialization
Sound
8
VAState
Volume: 14Mix: 2.63%
Place Specialization
Sound
9
WAState
Volume: 12Mix: 2.25%
Place Specialization
Sound
10
NVState
Volume: 10Mix: 1.88%
Place Specialization
Sound
Showing 10 of 11 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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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