I asked at Bioware, in a thread called
Help in understanding how to build a Paladin, where I got the answer that my WIS (12) is too low, so the base entitlements are adjusted downwards because I can't do 3rd level spells, and I used four levels as a fighter which reduces my max Paladin level to 12.
The advice is to have a wis of 14 if taking a lot of Paladin levels.