Question 1

What are Primelending, A Plainscapital Company's average closing costs?

Accepted Answer

Based on 23,839 homebuyer-submitted Closing Disclosures, Primelending, A Plainscapital Company's median total closing costs are $6,614. This is about 115% above the $3,071 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.

Question 2

Does Primelending, A Plainscapital Company charge junk fees?

Accepted Answer

None of the 23,839 Closing Disclosures we've analyzed for Primelending, A Plainscapital Company included fees flagged as potentially excessive — a strong sign. That said, every loan is different. Fair Closing Check can review your specific disclosure to confirm there are no hidden charges on your loan.

Question 3

How do Primelending, A Plainscapital Company's fees compare to other lenders?

Accepted Answer

Primelending, A Plainscapital Company currently holds a grade of B on Fair Closing Check, placing them below the national average, which is a good sign for borrowers. Their median closing costs of $6,614 are about 115% above the $3,071 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with Primelending, A Plainscapital Company?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, Primelending, A Plainscapital Company's origination fee (avg $3,868) runs above the peer average of $1,671, making it worth challenging specifically. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on Primelending, A Plainscapital Company's Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for Primelending, A Plainscapital Company, three fee categories tend to run above comparable lenders: origination fee (avg $3,868 vs $1,671 peer avg, +$2,197), discount points (avg $3,834 vs $2,205 peer avg, +$1,630), and lender credits (avg $1,288 vs $449 peer avg, +$839). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do Primelending, A Plainscapital Company's closing costs vary by state?

Accepted Answer

Primelending, A Plainscapital Company's closing costs vary significantly by state. Based on the 50 states in our database with at least 3 reports, median total closing costs range from $3,289 in Wisconsin to $14,269 in Hawaii — a $10,979 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$3,868	$1,671	🔺 High
discount_points	$3,834	$2,205	🔺 High
lender_credits	$1,288	$449	🔺 High

Primelending, A Plainscapital Company

Primelending, A Plainscapital Company Closing Cost Breakdown

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