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Primary Residential Mortgage review

This Utah-based direct lender has 240 retail branches nationwide and excellent customer reviews, but the website lacks clarity, and you must choose a loan officer to apply for a loan.

Primary Residential Mortgage is a direct lender with 240 retail branches across 49 states. The company offers a wide selection of loans and leverages the Blend lending platform for a more modern application process. But interest rates aren’t listed online, and you’ll need to choose a loan officer in your state before you can apply for a loan.

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Loan products offeredConventional, Jumbo, FHA, VA, USDA, Home Equity, Reverse, Refinance
Minimum credit scoreConventional: 620
FHA: 500
Minimum down payment (Conventional)3%
State availabilityNot available in: NY
NMLS #3094

Primary Residential Mortgage requirements

To apply for a loan, either call the company to find a loan officer and get prequalified, or start the online application after choosing a loan officer.

Basic eligibility for a Primary Residential Mortgage loan includes:

  • Residency in any state except New York.
  • Two years’ history of employment.
  • No history of bankruptcy for at least two years.


Here’s a list of Primary Residential Mortgage’s standard documentation requirements for all borrowers.

  • Personal identification.
  • Residence history for the past two years.
  • Previous two years’ tax returns and W-2s.
  • Employment information for the last two years.
  • Paycheck stubs from the most recent 30 days.
  • Bank statements from the most recent two months.
  • Statements for 401(k)s, brokerage accounts and investments.
  • Other documentation.

Costs and fees

While not listed online, you can expect to pay about 2% to 5% of your home’s total price in fees, including application, origination and third-party fees.

How to apply for a mortgage with Primary Residential Mortgage

To apply for a mortgage with Primary Residential Mortgage, either call the company or start an online application. To start an online application, here’s what you need to do.

  1. Visit the Primary Residential Mortgage website.
  2. Select Find an Advisor.
  3. Enter your zip code to search for loan officers in your area and wait for the list to load.
  4. Select Apply Now from one of the listings to begin an online application.
  5. Select Apply Now again once you are directed to the loan officer’s page.
  6. Answer the questions and provide the information requested.
  7. Read and choose if you agree with the terms and conditions.
  8. Select Continue.

What types of mortgages can I get through Primary Residential Mortgage?

  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo
This company accepts mortgage refinance applications.

Other mortgage products offered by Primary Residential Mortgage

Primary Residential Mortgage also offers these specialized types of mortgages:

  • Refinance loans. This type of loan can help reduce your interest rate, lower your mortgage payment and get rid of PMI.
  • Renovation loans. Allows you to finance the property plus the costs of renovations in a single loan with one monthly payment.
  • VA Streamline Refinance (IRRRL). If you’re a veteran, this loan lets you refinance your current VA mortgage without asset or income verification.
  • FHA Streamline Refinance. A refinance option for existing FHA homeowners with lenient documentation requirements and relaxed qualifications.

How Primary Residential Mortgage’s mortgage products compare to other lenders

Compared to other lenders, Primary Residential Mortgage offers a standard selection of mortgage types, including government-backed loans, jumbo loans, reverse mortgages and first-time homebuyer programs. While the bank has excellent ratings from past customers, the website lacks information about prequalification, and unlike some lenders, you’re forced to choose a loan officer before you can start an online application.

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Primary Residential Mortgage reviews and complaints

As of August 2021, Primary Residential Mortgage has a 4.98 out of 5 rating on Zillow from over 5,500 customers, who report being happy with the helpfulness, knowledge and responsiveness of their loan officers. Primary Residential Mortgage is not accredited with the Better Business Bureau (BBB), and has had 26 complaints registered in the past three years.

Pros and cons of Primary Residential Mortgage


  • Loan selection. Primary Residential Mortgage has a solid range of home loans for both first-time and experienced homebuyers.
  • Blend application process. The company uses the Blend lending platform, which helps to streamline the application process.
  • Customer reviews. The company has excellent customer reviews from thousands of customers who report being happy with the service provided.


  • Website lacks clarity. Loan types are not clearly laid out, and there’s no information about the prequalification process.
  • Not available in New York. Primary Residential Mortgage is unavailable in New York at this time.
  • Must choose an advisor. You must choose a loan officer to begin the online application process.

What is Primary Residential Mortgage?

Founded in 1998, Primary Residential Mortgage is headquartered in Salt Lake City, Utah. The company employs over 150 local team members in Utah and 1,500 employees nationwide. Primary Residential Mortgage offers 240 retail branches across the county and is licensed to do business in all states except New York.

Frequently asked questions


Review by

Kat Aoki is a writer at Finder focusing on cryptocurrency, mortgages and personal finance products. Since 2011, she’s written hundreds of thoughtful and informative articles to help consumers make better decisions with their money. She’s well versed in working with leading brands in the finance and mortgage industry, including AMEX, Citibank and She earned a BS in Business Administration and Marketing from California State University and enjoys travel, hiking and yoga in her spare time.

Expert review

If you prefer a lending process that combines technology with a human touch, Primary Residential Mortgage may be worth considering. However, the company doesn’t advertise its interest rates online, and you must choose a loan officer to begin the application process. We recommend calling the company to find a loan officer you want to work with, get prequalified, then compare quotes from other lenders.

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