PrimeLending Mortgage Review 2026
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Our Take
4.0
PrimeLending stands out for its wide variety of loan types, including non-QM loans and a range of renovation and construction loans. However, the lender lacks some common technical features, such as online rates or a mobile app. Most likely to appeal to home buyers looking for closing cost assistance or purchasing a fixer-upper.
Pros
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Offers closing cost assistance.
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Wide variety of loan types, including non-QM loans.
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Mortgages are available for manufactured homes, including 3D-printed houses.
Cons
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Loans are not available in all states.
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Rates are not posted online.
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Does not have a mobile app.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
 Visit Lenderat NBKC at NBKC | 620 | 3% | Visit Lenderat NBKC at NBKC |
 Visit Lenderat New American Funding at New American Funding | 580 | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
 4.0 Visit Lenderat GO Mortgage at GO Mortgage | 620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage |
 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
PrimeLending is a non-bank subsidiary of PlainsCapital Bank, based in Dallas, Texas. Loans are available in 23 states plus Washington, D.C.
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
🏠 Common mortgages • Fixed- or adjustable-rate • FHA loans • VA loans • Jumbo loans • Rate-and-term refinances
🔑 Specialty loans • Construction loans • Renovation loans • Bond loans • USDA loans • Non-QM loans
💵 Home equity • HELOCs • Home equity loans • Cash-out refinance
» 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.
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.
Zillow Mortgage Lender Customer Rating
4.98
out of 5
Excellent rating as of the date of publication.
Rating reflects more than 22,600 customer reviews.
PrimeLending mortgage customer service options
Here’s how you can get in touch with PrimeLending.
Ways to reach PrimeLending
Physical branches . . . . . . ✅ Phone support . . . . . . . . . ✅ Mobile app . . . . . . . . . . . . ✅ Online chat (bot) . . . . . . . 🚫 Online chat (human) . . . . 🚫
» MORE: How to apply for a mortgage
🤓 Our Nerds say... this lender still relies on old-school phone support
Dawnielle Robinson-Walker, editor and content strategist
When we reached out to PrimeLending, it was clear the company leans on phone support. There’s no live chat, which feels a bit dated compared to competitors, but we were connected immediately with a friendly representative.
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
More from NerdWallet
NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: average mortgage rates and origination fees, rate transparency to consumers, variety of loan types (purchase, refinance, fixed and adjustable, for example) and customer experience. Among the factors we consider in these categories are: options to apply for home loans online, typical time to close, mobile app experience, level of detail about mortgage rates on lender websites, and NerdWallet’s own analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These and other items inform detailed rubrics, which generate ratings from 1 star (poor) to 5 stars (excellent). Read more about how we rate mortgage lenders here.
