When the lender draws up a Good Faith Estimate (GFE) there will be fees that will be shown on this document that will be associated only with the lender. Here are a few of those fees:

Loan Origination Fee - this is a flat fee, usually charged as one point, or one percent, of the total amount of the loan being applied for

Loan Discount - this fee is usually charged on government loans, and if the borrower is willing to pay for extra points in origination, the borrower will get a lower interest rate

Appraisal Fee - sometimes the loan originator will ask for this fee up front to cover the appraisal of the subject property, other times this fee will be lumped into the loan itself, there are only a few fees that can be collected ahead of time; the appraisal and the credit report

Credit Report - pulling the credit report of the borrower is usually step one when determining what loan program a borrower can qualify for, the credit report usually runs between $20 and $60

Underwriting Fee - if the borrower uses a wholesale lender most of their services will be all in house, this fee will run the borrower between $300 and $600 depending upon whether there are two mortgages being used Flood Certification Fee . this fee will be implemented only if the lender has determined whether or not the property is located in a flood zone

Processing Fee - the organization of all required documentation

It is important to note that some of these fees may differ from state to state and geographical location. It just depends on where the subject property is located.