2. About Us
Headquartered in Dallas, Texas
and in business for over 28 years
Over 300 locations across the nation
Licensed in all 50 states
95% customer satisfaction rate*
Backed by a well-capitalized bank, PrimeLending is
poised for tremendous growth and leadership
A subsidiary of PlainsCapital Bank, PrimeLending is
owned by a financially strong public parent company,
Hilltop Holdings (NYSE: HTH)
*Surveys are sent to customers within 7 days of loan closing. During the period of Jan. 2014 to Oct. 2014, PrimeLending had an average response rate of 40% on its customer
satisfaction surveys.

3. Our People Make a Difference
STEVE THOMPSON
Executive Vice President
National Production Manager
SCOTT BRISTOL
President
SCOTT EGGEN
Executive Vice President
Director Capital Markets
KRISTI HARRIS
Executive Vice President
National Operations
TIM ELKINS
Executive Vice President
Chief Information Officer
TODD SALMANS
Chief Executive Officer
AL VELASCO
Executive Vice President
Western Division
DAN RAWITCH
Senior Vice President
Regional Manager, California &
Hawaii

4. Our commitment to living our convictions and purpose is focused on
the people we employ, the partners we serve
and the consumers we advise. We stand apart by treating everyone
with care, respect and appreciation for the contributions they make,
the people they serve and the communities they influence.
We realize that if we are to make a positive impact on our customer,
we must continue to attract and retain people
who hold our convictions. We magnetically attract a
diverse spectrum of employees and demonstrate the ability
to engage their highest achievements and best talents. We
are passionately committed to making a positive difference
in our employees' lives and investing in their personal development.
Our rotational training systems and mentoring programs are
the best in the industry. We offer leading-edge leadership
development retreats as well as training programs for managers, non
-managers and loan originators. Our
continued focus on growing more productive sales people and the
future leaders of the organization will establish
a legacy for years to come.
SCOTT BRISTOL
President

6. 2014 Recap
VOLUME UNITS NEW BRANCHES
LOAN OFFICERS HIRED PURCHASE REFINANCE
80% 20%555
$10.3B 48,655 42

7. Personalized Website
Video library
11 different
mortgage calculators
Robust array of
image options
Search words are
pre-loaded to assist
with SEO

8. Products that Make Us Stand Out
HomeStyle® is a registered trademark of Fannie Mae.
We are a fully approved direct lender with Fannie Mae, Freddie Mac and Ginnie Mae.
Conventional
Jumbo
VA and USDA
FHA
203K
Bond and DPA
Customized PMI
• Fixed-Rate (10-30 Year Terms)
• Adjustable-Rate Mortgages (ARMs)
• Cash Out transactions, also available in Texas
• FNMA HomeStyle®
• FNMA DU Refi Plus & FHLMC Relief Refi (Max 125%
LTV)
• Multiple Properties (Up to 10 Financed)
• Conforming High Cost Loans
• 97% Conventional Financing
• Loan amounts up to $3 million(higher in some cases)
• Fixed-Rate Mortgages (10-30 Year Terms)
• Cash Out transactions for second homes
• In-house Underwriting up to $3 million
• 89% LTV with No Mortgage Insurance
• Delayed Financing
• 100% Financing for Purchase Transactions
• IRRRL (Interest Rate Reduction Refinance Loan)
• Cash Out Transactions (90% Max LTV)
• High Balance loans available
• USDA:100% Financing, finance closing cost and
prepay items, no limit on gifts or seller contributions,
no reserve requirements
• Purchase, Refinance, Streamline, Cash Out,
Condominium, Disaster Relief
• FHA 203(k) – Rehabilitation, Streamline Rehabilitation
• $100 Down REO
• Good Neighbor Next Door
• EEM (Energy-Efficient Mortgages)
• FHA $5,000 Repair/Renovation
• USDA Repair Escrow
• EZ “C” Conventional $25,000 Repair/Renovation
• Non-Conforming Jumbo $250,000 Repair/Renovation
• We have a large mixture of both bond and DPA programs.
We continue to increase the programs offered by local and
state-, county- and city-governed agencies.
• No overlays
• This helps save your clients money over the life of the loan
• Most other lenders are locked into one plan, but we offer
many

9. One-Time Close
Available for owner-occupied and secondary homes
Up to 90% of total costs can be financed
Contingency reserve included to cover cost overruns or
upgrades
Low, interest-only payments while the home is being built
Fixed rate programs from 10 to 30 years available for the
permanent mortgage loan
No need to re-approve or re-appraise when construction is
completed
Loan includes a built-in float
down option
Borrower pays only one set
of closing costs

10. Operations
Certified Processor program to expedite the closing process
Dedicated underwriting team for each region with on-site processing for
most branches
Underwriting quick fix email for loan officer support
Scenario Help Desk offers personalized guidance about your specific
transactions
Internal appraisal desk

11. Consumer Mobile Application
The Consumer Mobile App offers customers:
Easy-to-use calculators for
affordability, monthly
mortgage payment and rent
vs. buy
How credit scores impact
available mortgage rates
Access to a local
PrimeLending branch
office or loan officer

12. Mobile Partner Application
Push notifications on loan status
changes
Message center for updates on
loan products
24/7 access to stay on top of
loans in process from originating
to funding
The Mobile Partner App was designed specifically for our business partners
to stay “in the know” on the go.

13. Marketing Support
Automated direct mail and e-mail campaigns
for business partners, customers and
prospects
Highly personalized programs & tools
Dedicated marketing coordinators
for each region
Website & social media support
Direct mail including postcards,
greeting cards, letters & kits
Ability to select images
to customize materials
Co-branded materials

14. Accomplishments

15. Contact
Join us and see why PrimeLending loan officers have made
PrimeLending their home! Contact me at:
Scott Butnick
Regional Talent Acquisition
NMLSNA
972-738-7740
Sbutnick@primelending.com
To learn more about the PrimeLending difference, visit:
PrimeLending.com/Recruiting

16. PrimeLending, a PlainsCapital Company (NMLS: 13649). PrimeLending, a PlainsCapital Company, is an equal opportunity employer and ensures that
all applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, age, disability, genetic,
pregnancy or any other status as protected by federal, state or local law. Equal Housing Lender. © 2014 PrimeLending.
Not intended for consumer distribution. Not subject to Reg Z 1026.24.
PrimeLending, a PlainsCapital Company (NMLS: 13649) is a wholly owned subsidiary of a state-chartered bank and is an exempt lender in the
following states: AK, CO, DE, FL, GA, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NC, OH, OK, PA, SC, SD, TN, TX, UT, VA, WI, WY. Licensed by
the: AL State Banking Dept- consumer credit lic no. MC21004; Arkansas Securities Dept- combination mortgage banker-broker-servicer lic no.
105190; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Business Oversight under the
California Residential Mortgage Lending Act- lender lic no. 4130996.; CT Dept. of Banking- mortgage lender lic no. ML-13649; D.C. Dept. of
Insurance, Securities and Banking- dual authority lic no. MLB13649; Hawaii Division of Financial Institutions- mortgage loan originator company
license no. HI-13649; IL Dept. of Financial and Professional Regulation- residential lender lic no. MB.6760635; IN Secretary of State Securities
Division- loan broker lic no. 13649; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor,
Licensing & Regulation- mortgage lender lic no. 11058; Massachusetts Division of Banking- mortgage lender & mortgage broker license nos. MC
13649, MC13649-101, MC13649-102, MC13649-103, MC13649-105, MC13649-106, MC13649-108, MC 13649-109, MC 13649-113, MC 13649-114,
MC 13649-115, MC 13649-116, MC 13649-117, MC 13649-118, MC 13649-119, MC 13649-120; MI Dept. of Labor & Economic Growth- 1st
mortgage
broker/lender/servicer registrant lic no. FR 0010163 and 2nd
mortgage broker/lender registrant lic no.SR 0012527; Licensed by the New Hampshire
Banking Department- mortgage banker lic no. 14553-MB; NJ Dept. of Banking and Insurance- residential mortgage lender lic no. 0803658; NM
Regulation and Licensing Dept. Financial Institutions Division- mortgage lender license no. 01890; ND Dept. of Financial Institutions- money broker lic
no. MB101786; Lic. Mort. Banker- NYS Dept. of Fin. Svcs. Lic no. B500999 (2000 Winton Road Bldg.1 #102 Rochester, NY 14618); OR Division of
Finance and Corporate Securities- mortgage lending lic no ML-5260; RI Division of Banking- lender lic no. 20102678LL and broker lic no.
20102677LB; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of
Financial Institutions-consumer lender lic no. CL-13649; WV Div. of Financial Institutions- lender license ML31704 and broker license MB-31703.
V032514.