Zillow Advice: Home Buying - Loan origination fees http://www.zillow.com/advice-thread/Loan-origination-fees/531362/ Zillow Advice | Zillow Real Estate Since the introduction of ... http://www.zillow.com/advice-thread/Loan-origination-fees/531362/ Since the introduction of the "Frank Dodd" financial reform, junk fees are a thing of the past and all lender fees are under the heading "Origination". So the old terms like "Processing" and "Underwriting" are no longer being used but there are still fixed costs that lenders incur to originate the loan. Hence the term "origination" is the all incompassing field of "what is the lender charging you". $1195 is a reasonable fee and don't confuse "closing costs" with "cash needed to close". When you say "My total closing costs" is.....this is going to include all lender fees, 3rd party fees (appriasal, title, etc), down payment  and in most cases, your escrow (taxes and insurance deposit). There is a huge difference between "fees" and money needed to complete the transaction. If you are bringing $7833 to closing and $5000 of it is your down payment, then that sounds about right. Thu, 20 Mar 2014 17:42:00 GMT http://www.zillow.com/advice-thread/Loan-origination-fees/531362/ 2014-03-20T17:42:00Z That would be about a 1.6% ... http://www.zillow.com/advice-thread/Loan-origination-fees/531362/ That would be about a 1.6% loan origination fee, or it more likely is a 1% loan origination and a .6% discount point -- or something like that which sounds reasonable. Fri, 07 Mar 2014 20:14:00 GMT http://www.zillow.com/advice-thread/Loan-origination-fees/531362/ 2014-03-07T20:14:00Z