Primelending, a Plainscapital Company: 2025 mortgage rates, costs & approvals
How Primelending, a Plainscapital Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: PRIMELENDING, A PLAINSCAPITAL COMPANY · LEI 549300121SF0K2LN2804
In 2025, Primelending, a Plainscapital Company originated 20,348 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 27th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 5 basis points above the national median. Median conventional loan costs were $6,310, 13% higher than the national median ($5,570).
It denied 4.0% of completed home-purchase applications (all lenders: 8.5%).
How Primelending, a Plainscapital Company priced home-purchase loans
| Purchase loans, 2025 | Primelending, a Plainscapital Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.490% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.18 pts | +0.13 pts |
| Total loan costs · conventional | $6,310 | $5,570 |
| Total loan costs · FHA | $11,740 | $11,310 |
| Total loan costs · VA | $5,120 | $6,490 |
| Origination charges (all types) | $2,600 | $1,860 |
| Borrowers paying discount points | 65.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.86% | 0.87% |
| Borrowers receiving lender credits | 13.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Primelending, a Plainscapital Company denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Primelending, a Plainscapital Company lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 5,478 | 6,491 | 4.9% | 6.490% | $7,950 |
| South Carolina | 1,293 | 1,445 | 2.3% | 6.490% | $6,320 |
| Missouri | 1,237 | 1,324 | 1.4% | 6.625% | $3,750 |
| New York | 1,082 | 1,237 | 4.6% | 6.875% | $5,550 |
| Ohio | 970 | 1,093 | 3.3% | 6.875% | $5,040 |
| California | 890 | 1,089 | 5.1% | 6.625% | $9,540 |
| Florida | 731 | 857 | 7.2% | 6.625% | $6,360 |
| Pennsylvania | 572 | 648 | 2.9% | 6.625% | $5,250 |
| Illinois | 540 | 626 | 3.0% | 6.750% | $3,930 |
| Washington | 515 | 574 | 1.7% | 6.490% | $9,380 |
| Arizona | 477 | 560 | 4.7% | 6.750% | $7,050 |
| Kansas | 416 | 457 | 1.0% | 6.875% | $3,570 |
| Georgia | 362 | 450 | 7.5% | 6.625% | $7,010 |
| Connecticut | 358 | 408 | 2.8% | 6.875% | $5,480 |
| Minnesota | 353 | 385 | 1.3% | 6.625% | $5,370 |
| North Carolina | 322 | 366 | 2.3% | 6.500% | $5,720 |
| Maryland | 321 | 372 | 3.0% | 6.625% | $5,440 |
| West Virginia | 294 | 346 | 8.4% | 6.625% | $4,860 |
| Massachusetts | 279 | 328 | 6.2% | 6.750% | $6,010 |
| Nevada | 267 | 302 | 1.3% | 6.500% | $6,480 |
| Colorado | 256 | 287 | 2.0% | 6.625% | $5,500 |
| Michigan | 252 | 286 | 2.2% | 6.875% | $5,880 |
| Indiana | 245 | 278 | 3.7% | 6.875% | $4,090 |
| New Mexico | 228 | 272 | 3.7% | 6.625% | $5,440 |
| Alaska | 206 | 235 | 3.6% | 6.500% | $8,800 |
| Virginia | 192 | 221 | 2.7% | 6.625% | $5,990 |
| Tennessee | 187 | 222 | 3.6% | 6.625% | $6,830 |
| Wisconsin | 179 | 198 | 1.7% | 6.875% | $3,210 |
| Oregon | 178 | 205 | 1.5% | 6.625% | $8,750 |
| Mississippi | 177 | 204 | 4.8% | 6.875% | $5,820 |
| Utah | 162 | 186 | 2.8% | 6.490% | $7,810 |
| Montana | 144 | 159 | 0.9% | 6.750% | $5,980 |
| Louisiana | 140 | 175 | 9.0% | 6.625% | $6,230 |
| Arkansas | 138 | 152 | 2.0% | 6.750% | $6,770 |
| Idaho | 121 | 133 | 2.7% | 6.500% | $7,890 |
| New Jersey | 117 | 134 | 5.0% | 6.875% | $6,330 |
| Kentucky | 110 | 128 | 5.1% | 6.875% | $4,820 |
| New Hampshire | 108 | 121 | 5.3% | 6.625% | $4,480 |
| Alabama | 101 | 123 | 4.5% | 6.500% | $5,060 |
| Rhode Island | 56 | 65 | 2.1% | 6.990% | $4,900 |
| Oklahoma | 55 | 65 | 1.8% | 6.490% | $5,110 |
| Vermont | 51 | 59 | 3.7% | 6.625% | $5,890 |
| Nebraska | 50 | 53 | 2.1% | 6.875% | $4,030 |
| Delaware | 43 | 47 | 0.0% | 6.490% | $5,270 |
| Hawaii | 26 | 36 | 6.3% | — | — |
| Wyoming | 23 | 25 | 4.5% | — | — |
| Iowa | 22 | 26 | 8.3% | — | — |
| Maine | 14 | 14 | — | — | — |
| North Dakota | 4 | 6 | — | — | — |
| South Dakota | 4 | 5 | — | — | — |
| District of Columbia | 2 | 3 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Primelending, a Plainscapital Company's page for that state.
Counties where Primelending, a Plainscapital Company is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cherry County, NE | 1 | 13 | 28.3% |
| Preble County, OH | 1 | 138 | 22.0% |
| Martin County, TX | 1 | 9 | 20.0% |
| Clark County, KS | 1 | 3 | 20.0% |
| North Slope Borough, AK | 2 | 2 | 16.7% |
| Lycoming County, PA | 1 | 164 | 16.0% |
| Prairie County, MT | 2 | 1 | 14.3% |
| Wheeler County, TX | 1 | 4 | 13.8% |
| Webb County, TX | 1 | 269 | 13.2% |
| Jones County, TX | 1 | 18 | 12.9% |
| Briscoe County, TX | 3 | 1 | 12.5% |
| Roberts County, TX | 3 | 1 | 12.5% |
| Wayne County, WV | 1 | 31 | 11.4% |
| Deaf Smith County, TX | 3 | 14 | 10.8% |
| Hamilton County, KS | 3 | 1 | 10.0% |
Check Primelending, a Plainscapital Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300121SF0K2LN2804.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Primelending, a Plainscapital Company with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology