{"id":8463,"date":"2026-08-12T14:33:33","date_gmt":"2026-08-12T19:33:33","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=8463"},"modified":"2026-08-18T09:07:34","modified_gmt":"2026-08-18T14:07:34","slug":"no-origination-fee-savings","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/no-origination-fee-savings\/","title":{"rendered":"How Much Does a $0 Origination Fee Save You?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/tomo.com\/blog\/section-b-closing-costs-explained\/\" title=\"Understanding Your Section B Closing Costs at Tomo Mortgage\">$0 origination fee<\/a> saves you the full amount another lender would otherwise charge, typically 0.5% to 1% of your loan amount. On a $400,000 loan, that can be $2,000 to $4,000 kept out of your <a href=\"https:\/\/tomo.com\/blog\/how-much-are-closing-costs\/\" title=\"How much are closing costs?\">closing costs<\/a> entirely, since a <a href=\"https:\/\/tomo.com\/mortgage\/faq\" title=\"Tomo Mortgage FAQ\">$0 origination fee<\/a> is not a discount, it is the absence of the fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quick Answer<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Industry-standard origination fees run 0.5% to 1% of the loan amount, listed as &#8220;Origination Charges&#8221; in Section A of the Loan Estimate.<\/li>\n\n\n\n<li>On a $400,000 loan, a 1% origination fee costs $4,000; a $0 origination fee saves that full amount.<\/li>\n\n\n\n<li>Tomo Mortgage charges $0 in Section A lender fees on conventional, FHA, VA, and jumbo loans.<\/li>\n\n\n\n<li>A lender with a slightly higher rate but $0 origination fees can still cost less over the life of the loan than one charging 1% upfront with a slightly lower rate.<\/li>\n\n\n\n<li>Other closing costs, appraisal, title insurance, and government recording fees, are separate from origination fees and apply regardless of which lender you choose.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What an Origination Fee Actually Covers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An <a href=\"https:\/\/tomo.com\/blog\/what-is-a-origination-fee\/\" title=\"What is a mortgage origination fee?\">origination fee<\/a> compensates the lender for processing and <a href=\"https:\/\/tomo.com\/blog\/what-is-mortgage-underwriting\/\" title=\"What is mortgage underwriting?\">underwriting<\/a> your loan. It is controlled entirely by the lender, unlike third-party costs such as appraisal fees, title insurance, and government recording fees, which apply regardless of which lender you choose and are not part of the origination charge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dollar Savings by Loan Size<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At a 1% origination fee, a $0-fee lender saves you the following at each loan size:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Loan Amount<\/th><th>Origination Fee at 1%<\/th><th>Savings at $0 Origination<\/th><\/tr><\/thead><tbody><tr><td>$200,000<\/td><td>$2,000<\/td><td>$2,000<\/td><\/tr><tr><td>$300,000<\/td><td>$3,000<\/td><td>$3,000<\/td><\/tr><tr><td>$400,000<\/td><td>$4,000<\/td><td>$4,000<\/td><\/tr><tr><td>$600,000<\/td><td>$6,000<\/td><td>$6,000<\/td><\/tr><tr><td>$800,000<\/td><td>$8,000<\/td><td>$8,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">*These figures are illustrative examples and scale directly with loan size, since origination fees are calculated as a percentage of the loan amount, not a flat dollar figure. <\/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\/interest-rates-today\">Compare Lender Rates With TrueRate<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rate vs. Fee: Which Actually Costs More?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A $4,000 fee on a $400,000, 30-year loan works out to roughly 0.07% in rate terms, a small but real difference once spread across the life of the loan. This means a lender advertising a rate around 0.10% higher than a competitor&#8217;s, but with $0 origination fees, can still cost the same or less overall than a lender with a slightly lower rate that charges 1% upfront. Comparing rate alone, without accounting for Section A fees, is one of the most common ways borrowers overpay without realizing it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Verify Origination Fees on Any Lender&#8217;s Loan Estimate<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Every lender is required to provide a standardized Loan Estimate. Section A lists all lender origination charges. If Section A is blank or shows $0, the lender is not charging an origination fee. If it shows a dollar amount or percentage, compare that figure directly against other lenders&#8217; Loan Estimates rather than comparing rates alone. <\/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\">Check Out Today&#8217;s Mortgage 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<h2 class=\"wp-block-heading\">Frequently Asked Questions (FAQs)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is a mortgage origination fee and who charges it?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is a fee the lender charges for processing and underwriting your loan, typically 0.5% to 1% of the loan amount. It is set entirely by the lender, not a third party.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What does Section A on a Loan Estimate include? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Section A lists the lender&#8217;s own origination charges. If it is blank or shows $0, the lender charges no origination fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do lenders with $0 origination fees charge higher rates to compensate?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not necessarily. It depends on the specific lender. Compare both the rate and Section A fees together, since a slightly higher rate with $0 origination fees can still cost less overall than a lower rate with a 1% fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much can I save by choosing a $0 origination fee lender? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The exact industry-standard fee you would otherwise pay, 0.5% to 1% of your loan amount. On a $400,000 loan, that is $2,000 to $4,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A $0 origination fee saves you the full amount another lender would otherwise charge, typically 0.5% to 1% of your loan amount. On a $400,000 loan, that can be $2,000 to $4,000 kept out of your closing costs entirely, since a $0 origination fee is not a discount, it is the absence of the fee. [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":7392,"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":[38],"tags":[298],"class_list":["post-8463","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-dictionary","tag-homebuying"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"A 1% origination fee costs $4,000 on a $400K loan. 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