The full explanation
On the Loan Estimate it appears under "Origination Charges," which adds up everything you pay each lender and loan originator for giving you the loan, whatever the charge is called; points paid to lower the rate go on their own line in that section. On the Closing Disclosure it is in section A on page 2. In general, these charges cannot go up at closing, except in certain circumstances.
An example
Hilda has two Loan Estimates. She compares the “Origination Charges” on both and sees that one charges less even though the rate is about the same.
With real numbers
Computed with official data for the whole U.S. In your county the numbers may differ.
- Example loan
- $266,160
- Typical range (0.5% to 1%)
- $1,331 – $2,662
Origination charges are usually 0.5% to 1% of the loan. On a $266,160 loan (a $332,700 home with 20% down), that would be $1,331 to $2,662.
Computed with: American Community Survey (ACS) 5-year estimates (2020–2024) · Freddie Mac My Home: What Are Closing Costs and How Much Will I Pay? (October 16, 2026) · Fannie Mae Selling Guide B7-1-01 — Provision of Mortgage Insurance (October 17, 2026)
You will see it in…
- The Loan Estimate, page 2 (“Origination Charges”)
- The Closing Disclosure, page 2, section A
- Our closing cost calculator, under lender fees
