# PRIMELENDING, A PLAINSCAPITAL COMPANY

> **Canonical URL:** https://saferate.com/lenders/primelending-a-plainscapital


> **📋 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


PRIMELENDING, A PLAINSCAPITAL COMPANY is a independent mortgage company, headquartered in DALLAS, TX, serving borrowers nationwide, with 21,082 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 74% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300121SF0K2LN2804
- **Headquarters:** DALLAS, TX
- **Geographic Reach:** National
- **States Served:** 51
- **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, NY, 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: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.321%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,445
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 21,082
- **Dollar Volume:** $7.5 billion
- **Applications Received:** 28,167
- **Market Share:** 59.00%

## Typical Borrower Profile

- **Average Loan Amount:** $356,172
- **Average Borrower Income:** $144,104
- **Average Property Value:** $449,368

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **VA Gold Superstar** (76%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 92/100 | 13,909 | +0.283% | $3,431 | Exceptional 🤩 |
| FHA | 91/100 | 4,352 | +0.662% | $4,013 | Exceptional 🤩 |
| VA | 90/100 | 2,153 | -0.290% | $2,147 | Exceptional 🤩 |
| Jumbo | 86/100 | 375 | +0.173% | $2,435 | Exceptional 🤩 |
| USDA | 93/100 | 293 | +0.377% | $2,561 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 12,555 loans, Score: 92/100 (Exceptional)
- Refinance: 1,354 loans, Score: 84/100 (Exceptional)

**FHA:**
- Purchase: 4,171 loans, Score: 92/100 (Exceptional)
- Refinance: 181 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 2,078 loans, Score: 90/100 (Exceptional)
- Refinance: 75 loans, Score: 80/100 (Strong)

**Jumbo:**
- Purchase: 322 loans, Score: 86/100 (Exceptional)
- Refinance: 53 loans, Score: 83/100 (Exceptional)

**USDA:**
- Purchase: 291 loans, Score: 93/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 93/100 | 19,417 | $6.9B | +0.314% | Exceptional 🤩 |
| Refinance | 84/100 | 1,665 | $582M | +0.392% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 5,576 | 1.59% | 92/100 |
| SC | 1,294 | 1.61% | 89/100 |
| MO | 1,293 | 1.73% | 82/100 |
| NY | 1,189 | 1.05% | 81/100 |
| OH | 1,028 | 0.76% | 78/100 |
| CA | 978 | 0.34% | 72/100 |
| FL | 760 | 0.26% | 70/100 |
| AZ | 588 | 0.59% | 74/100 |
| PA | 555 | 0.46% | 74/100 |
| IL | 477 | 0.38% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 2,246 | 81/100 |
| Dallas | TX | 1,526 | 89/100 |
| Houston | TX | 1,051 | 83/100 |
| Kansas City, MO | MO-KS | 1,007 | 86/100 |
| Greenville | SC | 653 | 97/100 |
| San Antonio | TX | 491 | 77/100 |
| Rochester, NY | NY | 479 | 78/100 |
| Phoenix | AZ | 460 | 73/100 |
| Fort Worth | TX | 418 | 81/100 |
| Austin | TX | 398 | 81/100 |
| Dayton | OH | 345 | 79/100 |
| Midland, TX | TX | 343 | 100/100 |
| Kiryas Joel | NY | 244 | 85/100 |
| Laredo, TX | TX | 236 | 100/100 |
| Abilene, TX | TX | 230 | 85/100 |

## Where This Lender Ranks

PRIMELENDING, A PLAINSCAPITAL COMPANY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Greenville for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Dayton for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Midland, TX for Jumbo Loans
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Midland, TX for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Abilene, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Kennewick for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Kennewick for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kennewick/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in St. Joseph, MO for VA Loans
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/va-loans)
- 🥇 **#1** in St. Joseph, MO for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Johnstown, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Johnstown, PA for VA Loans
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Johnstown, PA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Johnstown, PA for USDA Loans
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Johnstown, PA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Charleston, WV for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Enid, OK for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Greenville for USDA Loans
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Greenville for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Kansas for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Dayton for USDA Loans
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/usda-loans)

## Frequently Asked Questions

### What loan types does PRIMELENDING, A PLAINSCAPITAL COMPANY offer?

PRIMELENDING, A PLAINSCAPITAL COMPANY 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 PRIMELENDING, A PLAINSCAPITAL COMPANY offer mortgages?

PRIMELENDING, A PLAINSCAPITAL COMPANY is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are PRIMELENDING, A PLAINSCAPITAL COMPANY's mortgage rates?

PRIMELENDING, A PLAINSCAPITAL COMPANY has a pricing score of 26/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.321% above market average.

### What type of lender is PRIMELENDING, A PLAINSCAPITAL COMPANY?

PRIMELENDING, A PLAINSCAPITAL COMPANY is a non-depository lender that specializes in mortgage origination, headquartered in DALLAS, TX.

### What is PRIMELENDING, A PLAINSCAPITAL COMPANY's loan approval success rate?

PRIMELENDING, A PLAINSCAPITAL COMPANY has a pull-through score of 83/100 (Exceptional). 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/primelending-a-plainscapital

### How to Cite

> "PRIMELENDING, A PLAINSCAPITAL COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/primelending-a-plainscapital

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