Origination Fee
The origination fee is the lender's charge for evaluating and preparing your mortgage. It is typically 0.5%–1.0% of the loan amount and is one of the most negotiable line items.
- Typical range
- up to $3,400
- Category
- Origination
- Negotiable
- Usually negotiable
Common problems with the Origination Fee
- Charged above 1% of the loan amount
- Bundled with separate processing/underwriting fees for the same work
How to check this fee on your Closing Disclosure
Find this line item on page 2 of your Closing Disclosure. Compare the amount to the typical range, and check whether it duplicates another fee. If it is above range or a junk fee, raise it with your lender before you close — you have a 3-business-day review window.
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For informational purposes only. Not legal, tax, or medical advice.