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PrimeLending, A PlainsCapital Company

Company Details

Name: PrimeLending, A PlainsCapital Company
Jurisdiction: MISSISSIPPI
Business Type: Profit Corporation
Status: Good Standing
Effective Date: 28 Oct 2005 (19 years ago)
Business ID: 880614
State of Incorporation: TEXAS
Principal Office Address: 18111 Preston Road, Suite 900Dallas, TX 75252
Fictitious names: Loanplicity
PrimeLending

Agent

Name Role Address
C T CORPORATION SYSTEM Agent 645 LAKELAND EAST DRIVE, Suite 101, FLOWOOD, MS 39232

Director

Name Role Address
Eric Pretzlaff Director 18111 Preston Road #900, Dallas, TX 75252
Stephen B. Thompson Director 18111 Preston Road #900, Dallas, TX 75252
Kristi Harris Director 18111 Preston Road #900, Dallas, TX 75252
Timothy Paul Elkins Director 18111 Preston Road #900, Dallas, TX 75252
Cynthia Buhr Director 18111 Preston Road #900, Dallas, TX 75252

Chief Financial Officer

Name Role Address
Eric Pretzlaff Chief Financial Officer 18111 Preston Road #900, Dallas, TX 75252

President

Name Role Address
Stephen B. Thompson President 18111 Preston Road #900, Dallas, TX 75252

Filings

Type Status Filed Date Description
Annual Report Filed 2025-03-13 Annual Report For PrimeLending, A PlainsCapital Company
Annual Report Filed 2024-01-18 Annual Report For PrimeLending, A PlainsCapital Company
Annual Report Filed 2023-01-30 Annual Report For PrimeLending, A PlainsCapital Company
Fictitious Name Registration Filed 2022-03-25 Fictitious Name Registration For PrimeLending, A PlainsCapital Company
Annual Report Filed 2022-03-15 Annual Report For PrimeLending, A PlainsCapital Company
Annual Report Filed 2021-04-06 Annual Report For PrimeLending, A PlainsCapital Company
Annual Report Filed 2020-03-19 Annual Report For PrimeLending, A PlainsCapital Company
Annual Report Filed 2019-03-02 Annual Report For PrimeLending, A PlainsCapital Company
Annual Report Filed 2018-04-11 Annual Report For PrimeLending, A PlainsCapital Company
Annual Report Filed 2017-08-15 Annual Report For PrimeLending, A PlainsCapital Company

CFPB Complaint

Complaint Id Date Received Issue Product
1131462 2014-11-25 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company PRIMELENDING, A PLAINSCAPITAL COMPANY
Product Mortgage
Sub Product FHA mortgage
Date Received 2014-11-25
Submitted Via Referral
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2014-12-03
Consumer Consent Provided N/A
2062457 2016-08-13 Loan servicing, payments, escrow account Mortgage
Issue Loan servicing, payments, escrow account
Timely Yes
Company PRIMELENDING, A PLAINSCAPITAL COMPANY
Product Mortgage
Sub Product Other mortgage
Date Received 2016-08-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-08-13
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened We purchased a home in XXXX, XXXX. Our insurance payment was around {$2400.00} and taxes {$3300.00}, this was used to determine our escrow amount. In XX/XX/XXXX our insurance premium was about the same and our taxes went down to about {$1800.00}, but our escrow amount increased. Then in XX/XX/XXXX our insurance went down almost {$1000.00} and our taxes stayed the same but our escrow payment increase again. I have asked for a breakdown but what they sent me was the same as what I could see online which does not show why the premium increased. From what I can see they charged me for insurance twice in XX/XX/XXXX. Ive contact the company by phone, email, and internet request none of the responses were helpful. They tell me someone will review the account but nothing has happened. Please audit my account to determine why they are charging us more when the payment should be decreasing. Attached are the closing statement and loan activity for the entire length of the loan ( as seen online ).
Consumer Consent Provided Consent provided
2270580 2017-01-01 Credit decision / Underwriting Mortgage
Issue Credit decision / Underwriting
Timely Yes
Company PRIMELENDING, A PLAINSCAPITAL COMPANY
Product Mortgage
Sub Product Other mortgage
Date Received 2017-01-01
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2017-01-01
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened XX/XX/XXXX I closed on a home in which the loan was originated by Prime Lending. Prime Lending was negligent in performing due diligence in relation to this loan. Prime Lending were not thorough in the process of this loan and failed to inform me of major changes in a timely manner as well as explain to me the implications of certain matters. I was very naive in the process of this loan and had no one that had my best interest in mind. I have been affected financially by the lack of due diligence in obtaining a clear picture of the true condition of the property. Prime Lending approved and passed through underwriting a property that does not meet guidelines for FHA, Fannie Mae, nor USDA rural guidelines. The property was being sold as is and was built XX/XX/XXXX with no updates done in the past 20 years. Throughout the process I consistently inquired of the originator about money being rolled into the loan to cover needed repairs. He ensured me that it was possible as long as the house appraised for more than the contract price. The appraiser did not report any needed repairs. My home owner insurance was canceled due to repairs that the insurance company requested be taken care of. When I inquired about the fact that no needed repairs was reported, I was told that it only makes the loan look better in underwriting. ( copy of text messages enclosed ) I was informed the day before closing that the amount of insurance required on the home increased and that the current insurance company was unable to quote a price that could be approved. That insurance company came to look at the property and take pictures after the closing. That company sent a notice of cancellation pending repairs. They dropped the coverage, I went back to the initial company who also cancelled the new policy due to conditions of home. This change affected the escrow causing an increase in monthly payments. The appraisal reported a water treatment plant on the property, however the disclosure statement provided by seller indicates a septic tank. I was unaware of the difference between the XXXX until I received a notice from the State Health Department. Initially the property was XXXX acres and was divided to sell the house with XXXX acres apart. The pipe from the septic tank on my property ran over onto the other property and was bust by the people who bought the remaining XXXX acres a few months after the closing on my loan.Waste from the pipe from the septic tank was flowing out onto their property which initially was all XXXX property. I received a letter from the Mississippi State Health department that I was not in compliance with the waste water act. ( attached ) I was responsible for installing a water treatment plant, which could have been rolled into the loan had Prime Lending performed proper due diligence and requested the proper inspections and reports. The appraiser suggest that an environmental inspection, however, Prime Lending did not follow through with the suggestion. I found out that I was pregnant the day prior to closing. XXXX. There were fumes in the house due to the back up of the septic tank. The fact that the home was 47 yrs and being sold " as is '' and the discrepancy on the appraisal report of a water treatment plant verses the disclosure statement that there was a septic tank should have been reason enough for Prime Lending to ensure due diligence in the condition of the property. They simply added a hold harmless clause that was presented on the day of closing. I had a mold inspection done that revealed an elevated level of mold. ( attached ) The property was appraised at XXXX acres. I was informed on the day of closing that it was only XXXX acres. There was no adjustment for this change in acreage. The information that was provided to the USDA underwriting was not accurate and fraudulent
Consumer Consent Provided Consent provided

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Date of last update: 20 Mar 2025

Sources: Mississippi Secretary of State

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