Grade B · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$6,614
median across reports
vs. National Average
96%
above national avg
Avg Origination Charge
$3,868
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $3,868 | $1,584 | 🔺 High |
| discount_points | $3,834 | $2,242 | 🔺 High |
| lender_credits | $1,288 | $428 | 🔺 High |
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Based on 23,839 homebuyer-submitted Closing Disclosures, Primelending, A Plainscapital Company's median total closing costs are $6,614. This is about 96% above the $3,383 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from Primelending, A Plainscapital Company's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
18,642
Ranked #22 nationally
Median Total Costs
$7,395
+10.7% vs national ($6,680)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$2,606
Median Lender Credits
$526
Cost Rank (500+ vol.)
#396
among lenders with 500+ originations
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 11,723 | 6.625% | $6,305 | $2,600 |
| fha | 4,625 | 6.490% | $11,690 | $3,356 |
| va | 2,046 | 6.250% | $5,124 | $0 |
| usda | 248 | 6.300% | $7,088 | $2,274 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 5,163 | 6.250% | $9,167 | #10 |
| South Carolina | 1,229 | 6.375% | $7,696 | #13 |
| Missouri | 1,124 | 6.612% | $4,421 | #14 |
| New York | 1,032 | 6.750% | $6,019 | #22 |
| Ohio | 892 | 6.750% | $5,852 | #30 |
| California | 761 | 6.500% | $11,800 | #54 |
| Florida | 717 | 6.490% | $7,694 | #63 |
| Pennsylvania | 572 | 6.500% | $6,261 | #39 |
| Illinois | 475 | 6.625% | $5,142 | #48 |
| Washington | 465 | 6.490% | $12,034 | #36 |
| Arizona | 416 | 6.625% | $7,443 | #45 |
| Kansas | 366 | 6.750% | $3,889 | #17 |
| Georgia | 336 | 6.250% | $9,581 | #68 |
| West Virginia | 304 | 6.490% | $6,622 | #11 |
| Connecticut | 292 | 6.750% | $5,678 | #19 |
| Maryland | 292 | 6.625% | $6,280 | #48 |
| Minnesota | 291 | 6.625% | $5,678 | #48 |
| North Carolina | 288 | 6.490% | $6,575 | #82 |
| Colorado | 233 | 6.500% | $5,978 | #70 |
| Massachusetts | 230 | 6.625% | $7,870 | #48 |
| New Mexico | 228 | 6.375% | $7,756 | #21 |
| Indiana | 224 | 6.750% | $5,545 | #76 |
| Nevada | 216 | 6.490% | $8,534 | #37 |
| Michigan | 210 | 6.750% | $6,247 | #75 |
| Alaska | 193 | 6.375% | $9,835 | #8 |
| Tennessee | 176 | 6.490% | $8,445 | #87 |
| Mississippi | 167 | 6.500% | $7,957 | #31 |
| Virginia | 164 | 6.500% | $7,109 | #96 |
| Wisconsin | 162 | 6.750% | $3,324 | #64 |
| Arkansas | 135 | 6.500% | $6,768 | #57 |
| Utah | 130 | 6.375% | $10,310 | #49 |
| Louisiana | 123 | 6.590% | $7,524 | #52 |
| Oregon | 123 | 6.625% | $9,208 | #64 |
| New Jersey | 106 | 6.875% | $6,462 | #107 |
| Idaho | 105 | 6.375% | $9,532 | #46 |
| Kentucky | 102 | 6.625% | $6,619 | #85 |
| Montana | 100 | 6.750% | $6,826 | #20 |
| Alabama | 98 | 6.490% | $7,166 | #96 |
| New Hampshire | 90 | 6.625% | $5,954 | #29 |
| Oklahoma | 51 | 6.500% | $6,324 | #97 |
| Vermont | 49 | 6.625% | $6,350 | — |
| Nebraska | 47 | 6.750% | $5,793 | — |
| Rhode Island | 46 | 6.625% | $5,671 | — |
| Delaware | 30 | 6.490% | $5,263 | — |
| Hawaii | 24 | 6.500% | $14,550 | — |
| Iowa | 21 | 6.625% | $3,332 | — |
| Wyoming | 21 | 6.625% | $5,347 | — |
| Maine | 11 | 6.250% | $6,023 | — |
| North Dakota | 5 | 6.375% | $5,859 | — |
| South Dakota | 5 | 6.490% | $5,559 | — |
| District of Columbia | 2 | 6.933% | $8,285 | — |
| This lender | Texas median | National median | |
|---|---|---|---|
| Total Closing Costs | $9,167 | $8,397 | $6,680 |
| Interest Rate | 6.250% | 6.250% | 6.490% |
| Originations in state | 5,163 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Primelending, A Plainscapital Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $7,395 | $7,127 | +$268 (+3.8%) |