{"id":3365,"date":"2026-06-23T12:07:00","date_gmt":"2026-06-23T17:07:00","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=3365"},"modified":"2026-07-21T08:52:30","modified_gmt":"2026-07-21T13:52:30","slug":"what-is-a-origination-fee","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/what-is-a-origination-fee\/","title":{"rendered":"What is a mortgage origination fee?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">If you are in the process of shopping around for a lender, or just curious about the home buying process as a whole, you\u2019ve likely heard of origination fees (also called \u201clender fees\u201d). Loan origination fees&nbsp; are fees some lenders&nbsp; charge for the \u201cprivilege\u201d&nbsp; of processing your mortgage. It&#8217;s a bit ironic, considering loan origination is their job, so why charge extra for what they\u2019re already paid to do? Origination fees are included in the <a href=\"https:\/\/tomo.com\/blog\/how-much-are-closing-costs\/\" title=\"closing costs\">closing costs<\/a> associated with a home loan, that all mortgages include.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quick facts:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An origination fee is a lender charge that covers processing, underwriting, and funding your loan, paid at closing.<\/li>\n\n\n\n<li>Typical range: 0.5% to 1% of the loan amount. On a $445,000 loan, that&#8217;s $2,225 to $4,450.<\/li>\n\n\n\n<li>Not all lenders charge them, but some lenders that advertise &#8220;no origination fee&#8221; offset it with a slightly higher interest rate.<\/li>\n\n\n\n<li>Origination fees are not the same as discount points. Points are prepaid interest to lower your rate; origination fees are lender overhead.<\/li>\n\n\n\n<li>They appear in Section A of your Loan Estimate and are negotiable.<\/li>\n\n\n\n<li>Tomo Mortgage doesn&#8217;t charge origination fees.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/your-quote?utm_source=tomo_blog\">See Tomo Mortgage\u2019s rates for a 30-year fixed-rate mortgage<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Who charges lender fees?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Generally speaking, just about every major mortgage lender charges lender fees. It\u2019s been pretty standard practice in the industry for decades. Every one of the biggest lenders, like <a href=\"https:\/\/tomo.com\/blog\/chase-vs-rocket-mortgage\/\" title=\"Rocket Mortgage\">Rocket Mortgage<\/a> and <a href=\"https:\/\/tomo.com\/blog\/bank-of-america-vs-rocket-mortgage\/\" title=\"Bank of America\">Bank of America<\/a>, charge steep lender fees to simply make more money off every loan they produce. For a lot of these companies, they make more money refinancing home than new purchases, so doing the work to offer a fair price on a new loan just isn\u2019t a priority.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/tomo.com\/mortgage\" title=\"Tomo Mortgage\">Tomo Mortgage<\/a> figured out how to lower the cost of processing a mortgage through automation, so we don\u2019t need to charge any lender fees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What do origination fees include? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Typically origination fees can include things like a processing fee (for processing the loan), an underwriting fee (for <a href=\"https:\/\/tomo.com\/blog\/what-is-mortgage-underwriting\/\" title=\"underwriting\">underwriting<\/a> the loan), a funding fee (for funding your loan).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lender fees don\u2019t include other fees associated with the closing, like a home appraisal. And they also don\u2019t reflect the cost to \u201cbuy down\u201d an interest rate. All those fees are in addition to the origination fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much do origination fees cost?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other lenders (again, not Tomo Mortgage) typically charge between 0.5% to 1% of your total loan amount. We talk about the typical lender fee as $2,000, as a lower estimate on the median home price, but lender fees can be much higher.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Say you are taking out a <a href=\"https:\/\/tomo.com\/blog\/what-are-the-steps-to-getting-a-mortgage\/\" title=\"mortgage \">mortgage <\/a>home loan $445K, 0.5% of your loan would look like $2,225 in origination fees and 1% would look like $4,450. But honestly, you deserve to keep this money in your pocket, not theirs.<\/p>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/rates\/?utm_source=tomo_blog\">See today&#8217;s rates<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">How will I know if I am being charged origination fees?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders have to lay it all out for you\u2014origination fees must be disclosed in the loan estimate and closing documents. But often these documents don\u2019t come around until much, much later in the loan application process (when you might not have enough time to switch to a different lender). It\u2019s pretty sneaky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can double-check your loan offer to see exactly what fees you&#8217;re being charged. Look at Section A of the closing costs in your loan estimate\u2014that\u2019s where you\u2019ll find any origination charges listed. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this sample loan estimate from the <a href=\"https:\/\/www.consumerfinance.gov\/owning-a-home\/loan-estimate\/\">Consumer Financial Protection Bureau (CFPB),<\/a>&nbsp; you can see that there is a $1,097 underwriting fee added to the closing costs. That is a lender controlled fee that you could negotiate on, or shop around to find a lender that will not charge it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, if a lender isn\u2019t talking about lender fees\u2014that\u2019s a red flag right there. It\u2019s reasonable to just ask your loan officer what the lender fees are right in the beginning. If they say, \u201cyou\u2019ll have to wait and see\u201d or \u201cthey\u2019re all pretty standard,\u201d you might take that as a good signal to shop around for a better offer.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/tomo.com\/mortgage\" title=\"Tomo\">Tomo Mortgage<\/a> doesn\u2019t charge lender fees, and we\u2019re pretty proud of it, so we talk about it a lot.<\/p>\n\n\n<div style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);margin-left:0;margin-right:0\" class=\"has-link-color wp-elements-6ca39df54d2cee3ace766f20f3aceba3 wp-block-post-author has-text-color has-contrast-color has-background has-tertiary-background-color has-large-font-size\"><div class=\"wp-block-post-author__avatar\"><img decoding=\"async\" width=\"96\" height=\"96\" src=\"https:\/\/tomo.com\/blog\/wp-content\/uploads\/2024\/04\/FullSizeRender-96x96.jpg\" class=\"avatar avatar-96 photo\" alt=\"\" srcset=\"https:\/\/tomo.com\/blog\/wp-content\/uploads\/2024\/04\/FullSizeRender-96x96.jpg 96w, https:\/\/tomo.com\/blog\/wp-content\/uploads\/2024\/04\/FullSizeRender-150x150.jpg 150w, https:\/\/tomo.com\/blog\/wp-content\/uploads\/2024\/04\/FullSizeRender-24x24.jpg 24w, https:\/\/tomo.com\/blog\/wp-content\/uploads\/2024\/04\/FullSizeRender-48x48.jpg 48w, https:\/\/tomo.com\/blog\/wp-content\/uploads\/2024\/04\/FullSizeRender-300x300.jpg 300w\" sizes=\"(max-width: 96px) 100vw, 96px\" \/><\/div><div class=\"wp-block-post-author__content\"><p class=\"wp-block-post-author__name\"><a href=\"https:\/\/tomo.com\/blog\/author\/clairegtomonetworks-com\/\" target=\"_self\">Claire Gallaudet<\/a><\/p><p class=\"wp-block-post-author__bio\">Claire is a Mortgage Analyst at Tomo, where she explores the data and trends shaping the housing market. She is especially interested in how economic forces impact homebuyers. A Seattle native, she now lives in Austin, where she balances analysis and communications with teaching yoga and walks around the lake with her dog.<\/p><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re ready to start your journey to homeownership, <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" title=\"\">get pre approved with Tomo Mortgage today.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are in the process of shopping around for a lender, or just curious about the home buying process as a whole, you\u2019ve likely heard of origination fees (also called \u201clender fees\u201d). Loan origination fees&nbsp; are fees some lenders&nbsp; charge for the \u201cprivilege\u201d&nbsp; of processing your mortgage. It&#8217;s a bit ironic, considering loan origination [&hellip;]<\/p>\n","protected":false},"author":31,"featured_media":3776,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[285,38],"tags":[61,60],"class_list":["post-3365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying-tips","category-mortgage-dictionary","tag-conventional-loan","tag-fha-loan"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Origination fees are what lenders charge to process your mortgage, typically 0.5% to 1% of the loan. 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