An underwriting fee is considered an origination fee because it is a charge for the lender’s services in processing and evaluating the mortgage application. Origination fees include any fees associated with creating and underwriting the loan.
Appraisal fees (A), title insurance fees (C), and prepaid interest fees (D) are not considered origination fees; they are separate charges related to third-party services or pre-paid interest.
[References:, TILA-RESPA Integrated Disclosure Rule (TRID), CFPB Mortgage Origination Fee Guidelines, , ]
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