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PrimeLending Mortgage Review 2026
Last updated on June 12, 2026
Written by
Editor & Content StrategistCo-written by
Contributing WriterWritten by
Editor & Content StrategistCo-written by
Contributing WriterMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
4.0
Home loans overall
NerdWallet rating
The Nerdy headline:
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 convenient features, such as sample rates and easy access to an online application. Most likely to appeal to home buyers looking for closing cost assistance or purchasing a fixer-upper.
Jump to:Full Review
PrimeLending: NMLS#13649
Min. credit score
620
Min. down payment
3%
Loan types and products
Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDA, Home Equity
Pros
- Offers closing cost assistance.
- Wide variety of loan types, including non-QM loans.
- Mortgages are available for manufactured homes, including 3D-printed houses.
Cons
- Rates are not posted online.
- Does not have an online chat.
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 | N/A | 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 all 50 states plus Washington, D.C.
🏠 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
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 recent 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.
How we score Prime Lending mortgages
Like to read the fine print? We do, too. Each year, NerdWallet writers and editors review the latest data and research on mortgage lenders, including federal data, and use a consistent method to score them based on what matters most to borrowers.
PrimeLending earned a 4-star home loans overall rating from NerdWallet. Here’s how that score breaks down across our five weighted subcategories.
Average
Rates and fees (30%)
Rates and fees determine how much a loan will cost you overall. NerdWallet reviews the latest federal data to score each lender’s average APR spread — a measure that combines interest rates and fees. A higher score means lower typical costs compared to other lenders.
Average
Product accessibility (20%)
We evaluate how widely available a lender’s products are across the U.S. and how accessible they are to different financial profiles. A higher score means broader availability and more flexible requirements. A lower score means fewer options or stricter requirements.
Average
Customer experience (20%)
We evaluate customer experience by testing and reviewing features like the online application, mobile app, and availability of phone or chat support. A higher score means a smoother, more convenient experience and easier access to help. A lower score means more friction or fewer support options.
Average
Loan variety (15%)
We evaluate loan variety based on the range of home loan types a lender offers. A higher score means more options, while a lower score means a more limited selection.
Poor
Rate transparency (15%)
We review how clearly lenders share rate information on their websites, including sample rates and tools to estimate personalized rates. A higher score means it’s easy to find clear, comprehensive details and compare rates. A lower score means less information is available, often requiring you to contact the lender.
🤓
NerdWallet’s ratings are objective and well-researched (we have the spreadsheets to prove it). But choosing a mortgage lender isn’t just about a star rating or a score breakdown. It’s also about finding the right lender for your unique situation. So yes: you can learn a lot from how the mortgage Nerds scored PrimeLending. But you’re the expert when it comes to the features of your own best-match mortgage lender.Nerdy Tip
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 22,800 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
Methodology
NerdWallet rates mortgage lenders based on what matters most to borrowers: rates and fees, product accessibility, customer experience, rate transparency and the range of loan options.
We review more than 40 lenders and score them using a weighted system that prioritizes affordability and a smooth borrowing experience. Lenders earn higher scores for offering lower borrowing costs, making loans widely available, clearly displaying rate information and supporting borrowers from application through closing.
We use a mix of lender-provided information, publicly available data and our own research and analysis to evaluate each lender. Recent regulatory actions may affect a lender’s score.