PrimeLending is a non-bank subsidiary of PlainsCapital Bank, based in Dallas, Texas. Loans are available in 23 states plus Washington, D.C.

• States where PrimeLending loans are available

  • Alabama

  • Arizona

  • Arkansas

  • California

  • Hawaii

  • Illinois

  • Iowa

  • Maine

  • Maryland

  • Massachusetts

  • Michigan

  • New Hampshire

  • New Jersey

  • New Mexico

  • New York

  • North Dakota

  • Oregon

  • Rhode Island

  • Texas

  • Vermont

  • Washington

  • Washington, D.C.

  • West Virginia

  • Wyoming

» MORE: How to choose a mortgage lender

PrimeLending special offers and discounts

PrimeLending goes beyond basic mortgages with a few standout programs designed to make buying, fixing up, or customizing a home a little easier:

• NeighborhoodEdge: Offers up to $2,000 in closing cost credits for eligible low- and moderate-income buyers in underserved markets.

• EZ “C”onventional Repair Escrow: A renovation loan for non-structural cosmetic improvements, financing up to $35,000 in repairs bundled into your home purchase.

• Pool escrow loan: Lets you roll the cost of building a pool into your mortgage, with funds held in escrow and paid directly to the builder after closing — meaning one loan, one payment, no extra financing.

What mortgages does PrimeLending specialize in?

A lender’s experience with your loan type can make a big difference. We looked at the latest federal data to find the types of mortgages PrimeLending handles most often.

In 2024, nearly two-thirds of PrimeLending purchase loans were conventional. They issued a good amount of FHA loans (22%) and VA (11%) loans, as well.

» MORE: How to apply for a mortgage

How we score PrimeLending mortgages

Each year, NerdWallet writers and editors dig into the latest data and independent research on mortgage lending. Then, we rate lenders based on categories that matter most to mortgage borrowers.

PrimeLending has a NerdWallet home loans rating of four stars overall. Here’s a breakdown of this year’s score.

• The Nerdy details: Our rating system, explainedThe Nerdy details: Our rating system, explained

  Ah, so you’re the “read the fine print” type? We got you. Here’s how our scoring rubric works.

  Average mortgage rates and fees (30%)

  We review federal data (as reported by the lenders) and analyze mortgage lenders’ average fees and interest rates across all loan types. Lenders with the lowest average costs get the highest star ratings. Keep in mind: Loans that are easier to qualify for, like FHA loans, usually have higher rates and fees because lenders see them as a higher risk. Pro tip: Paying some fees upfront can sometimes lower your interest rate.

  Mortgage rate transparency (25%)

  We look at how easy it is to compare mortgage rates online. Lenders get higher transparency ratings if they show sample rates on their website. (Not all lenders do!) The best ratings go to lenders that offer interactive tools that let you customize a rate quote on your own.

  Variety of loan types (25%)

  There’s no one-size-fits-all mortgage. Lenders earn top ratings in this category when they offer a large variety of mortgage types. The more variety, the higher their score. A lender earns points for purchase and refinance; fixed and adjustable rates; FHA, VA or USDA loans; renovation or construction loans; and home equity loans or HELOCs.

  Customer experience (20%)

  How easy is it to work with this lender? Top-rated lenders offer helpful features like online applications, multiple ways to get support, a user-friendly mobile app and clear updates about the loan closing timeline.

PrimeLending bonus points

PrimeLending earned bonus points for offering programs aimed at first-time-home buyers, as well as loans for manufactured homes and loans with flexible credit score requirements.

» MORE: How to get the best mortgage rate

PrimeLending mortgage reputation and customer experience

NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from Zillow and contacted the lender’s customer support.

PrimeLending mortgage customer service options

Here’s how you can get in touch with PrimeLending.

» MORE: How to apply for a mortgage

Alternatives to PrimeLending

Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.

Borrowers planning home improvements will find a selection of renovation loans with CrossCountry Mortgage and Guild Mortgage.

Northpointe Bank could be a good match for buyers interested in closing cost or down payment assistance.

» MORE: Best mortgage lenders

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