Purchase Originations
298
Median Total Costs
$4,128
−38.2% vs national ($6,680)
↓ $479 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,295
Median Lender Credits
$106
Denial Rate
4.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 238 | 6.625% | $3,927 | $1,295 |
| fha | 41 | 6.375% | $7,843 | $1,295 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 214 | 6.625% | $3,987 | #53 |
| Illinois | 20 | 6.562% | $3,151 | — |
| Florida | 19 | 6.375% | $7,246 | — |
| North Carolina | 8 | 6.875% | $4,643 | — |
| Oregon | 6 | 6.125% | $8,910 | — |
| South Carolina | 5 | 6.875% | $6,472 | — |
| Kansas | 4 | 6.688% | $4,836 | — |
| Washington | 3 | 6.125% | $6,116 | — |
| Georgia | 2 | 6.750% | $5,327 | — |
| Tennessee | 2 | 6.500% | $4,053 | — |
| Texas | 2 | 7.188% | $7,656 | — |
| Alabama | 1 | 6.375% | $3,320 | — |
| Arkansas | 1 | 6.750% | $3,768 | — |
| Arizona | 1 | 6.500% | $14,583 | — |
| California | 1 | 6.500% | $3,775 | — |
| Kentucky | 1 | 6.375% | $5,819 | — |
| Maryland | 1 | 7.000% | $4,609 | — |
| Montana | 1 | 7.000% | $5,467 | — |
| New York | 1 | 6.750% | $7,880 | — |
| Ohio | 1 | 6.625% | $3,545 | — |
| Pennsylvania | 1 | 6.625% | $4,162 | — |
| Utah | 1 | 5.750% | $10,383 | — |
| Virginia | 1 | 7.125% | $6,687 | — |
| Wyoming | 1 | 6.875% | $2,648 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,751 | 6.500% | — | 8 | −$1,377 | |
| 2 | $3,686 | 6.688% | — | 8 | −$442 | |
| 3 | $3,825 | 6.375% | — | 20 | −$303 | |
| 4 | $3,887 | 6.312% | — | 14 | −$241 | |
| 5 | $3,892 | 6.688% | — | 48 | −$236 | |
| 6 | $4,070 | 6.625% | — | 93 | −$58 | |
| 7 | $4,258 | 6.750% | — | 20 | +$130 | |
| 8 | $4,313 | 6.938% | — | 2 | +$185 | |
| 9 | $4,656 | 6.750% | — | 4 | +$528 | |
| 10 | $4,970 | 6.375% | — | 2 | +$842 | |
| 11 | $4,983 | 6.625% | — | 3 | +$855 | |
| 12 | $5,327 | 6.750% | — | 2 | +$1,199 | |
| 13 | $5,929 | 6.312% | — | 6 | +$1,801 | |
| 14 | $6,322 | 6.625% | — | 4 | +$2,194 | |
| 15 | $6,504 | 6.625% | — | 2 | +$2,376 | |
| 16 | $6,903 | 6.812% | — | 2 | +$2,775 | |
| 17 | $7,572 | 6.375% | — | 2 | +$3,444 | |
| 18 | $7,755 | 6.188% | — | 2 | +$3,627 | |
| 19 | $8,602 | 6.375% | — | 3 | +$4,474 | |
| 20 | $8,882 | 6.125% | — | 3 | +$4,754 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Paramount Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $4,128 | $7,127 | −$2,999 (−42.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.