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The APR will be slightly higher than the interest rate the lender is charging because it includes all (or most) of the other fees that the loan carries with it, such as the origination fee, points and PMI premiums. Origination fee — In addition to the application or processing fee, the lender may also charge an origination fee. On the next three pages, we’ll break down each and every fee that can possibly be included in closing on a home purchase. It pays for the preparation of the mound of documents that have to be prepared and is usually a flat rate, but can also be charged as a percentage of the loan amount — usually less than 1 percent. Origination fees are calculated as a percentage of the total loan, usually between 0.5 and 1 percent on U.S. If the fee is a percentage of the loan, then it is typically considered a “discount point” in disguise. Document preparation fee — This charge may be included in the application or attorney’s fee.
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