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Origination Fee
An origination fee is a one-time charge by the lender to cover the costs of processing and funding a new loan. It is typically expressed as a flat dollar amount or a percentage of the total loan amount.
What It Covers:
- Application processing
- Underwriting and credit checks
- Document preparation and administration
- Customer onboarding and servicing setup
Typical Range:
- 1% to 5% of the loan amount, depending on the lender and loan type
We maintain transparent and competitive origination fees, clearly outlined in your loan estimate and agreement. Many of our loan products feature low or no origination fees, giving borrowers more value up front.
Knowing your origination fee helps you understand the true cost of borrowing and compare lenders effectively. Always confirm whether the fee is deducted from your loan proceeds or added to your balance.