# PRIMARY RESIDENTIAL MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/primary-residential-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PRIMARY RESIDENTIAL MORTGAGE, INC. is a independent mortgage company, headquartered in Carson City, NV, serving borrowers nationwide, with 8,466 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930052M48FOD3CWA54
- **Headquarters:** Carson City, NV
- **Geographic Reach:** National
- **States Served:** 50
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.531%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,134
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 8,466
- **Dollar Volume:** $2.8 billion
- **Applications Received:** 12,032
- **Market Share:** 24.00%

## Typical Borrower Profile

- **Average Loan Amount:** $334,419
- **Average Borrower Income:** $120,646
- **Average Property Value:** $408,402

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 4,849 | +0.405% | $4,012 | Exceptional 🤩 |
| FHA | 88/100 | 2,737 | +0.971% | $4,525 | Exceptional 🤩 |
| VA | 83/100 | 675 | -0.004% | $4,027 | Exceptional 🤩 |
| Jumbo | 72/100 | 61 | +0.432% | $4,474 | Strong 😀 |
| USDA | 88/100 | 144 | +0.771% | $2,983 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 4,273 loans, Score: 85/100 (Exceptional)
- Refinance: 576 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 2,547 loans, Score: 88/100 (Exceptional)
- Refinance: 190 loans, Score: 81/100 (Exceptional)

**VA:**
- Purchase: 645 loans, Score: 83/100 (Exceptional)
- Refinance: 30 loans, Score: 50/100 (Sound)

**Jumbo:**
- Purchase: 53 loans, Score: 74/100 (Strong)

**USDA:**
- Purchase: 143 loans, Score: 88/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 86/100 | 7,661 | $2.6B | +0.536% | Exceptional 🤩 |
| Refinance | 75/100 | 805 | $252M | +0.490% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 1,253 | 1.78% | 87/100 |
| NM | 876 | 4.27% | 93/100 |
| FL | 587 | 0.20% | 70/100 |
| CO | 558 | 0.67% | 76/100 |
| TX | 464 | 0.13% | 68/100 |
| RI | 423 | 3.94% | 89/100 |
| CA | 395 | 0.14% | 65/100 |
| NC | 339 | 0.23% | 67/100 |
| UT | 265 | 0.59% | 70/100 |
| WI | 259 | 0.39% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,142 | 76/100 |
| Baltimore | MD | 1,038 | 92/100 |
| Albuquerque, NM | NM | 627 | 92/100 |
| Providence | RI-MA | 456 | 89/100 |
| Nashville | TN | 193 | 72/100 |
| Denver | CO | 174 | 67/100 |
| Greeley, CO | CO | 167 | 82/100 |
| Charlotte | NC-SC | 155 | 68/100 |
| Dallas | TX | 114 | 61/100 |
| Ogden, UT | UT | 103 | 70/100 |
| Portland | OR-WA | 96 | 62/100 |
| Fargo, ND | ND-MN | 94 | 73/100 |
| York | PA | 93 | 68/100 |
| Wilmington, DE |  | 87 | 66/100 |
| Miami | FL | 84 | 61/100 |

## Where This Lender Ranks

PRIMARY RESIDENTIAL MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Alexandria, LA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/alexandria-la/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Alexandria, LA for USDA Loans
  - [View Full Rankings](https://saferate.com/alexandria-la/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Casper, WY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/casper-wy/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in New Mexico for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Albuquerque, NM for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Nashville for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#6** in Gettysburg, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Casper, WY for Conventional Loans
  - [View Full Rankings](https://saferate.com/casper-wy/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Santa Fe, NM for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in Rhode Island for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Nashville for USDA Loans
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/usda-loans)
- 🏆 **#7** in Greeley, CO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Oshkosh for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Hot Springs, AR Mortgage Companies
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Sheboygan, WI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Alexandria, LA Mortgage Companies
  - [View Full Rankings](https://saferate.com/alexandria-la/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Alexandria, LA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/alexandria-la/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in Gettysburg, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Casper, WY Mortgage Companies
  - [View Full Rankings](https://saferate.com/casper-wy/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Santa Fe, NM for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does PRIMARY RESIDENTIAL MORTGAGE, INC. offer?

PRIMARY RESIDENTIAL MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PRIMARY RESIDENTIAL MORTGAGE, INC. offer mortgages?

PRIMARY RESIDENTIAL MORTGAGE, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are PRIMARY RESIDENTIAL MORTGAGE, INC.'s mortgage rates?

PRIMARY RESIDENTIAL MORTGAGE, INC. has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.531% above market average.

### What type of lender is PRIMARY RESIDENTIAL MORTGAGE, INC.?

PRIMARY RESIDENTIAL MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Carson City, NV.

### What is PRIMARY RESIDENTIAL MORTGAGE, INC.'s loan approval success rate?

PRIMARY RESIDENTIAL MORTGAGE, INC. has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/primary-residential-mortgage

### How to Cite

> "PRIMARY RESIDENTIAL MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/primary-residential-mortgage

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