Mortgage loan origination fee fee in 2026
Mortgage loan origination fee fee run $1,750 to $4,200 per $350,000 mortgage in 2026, and most people pay about $2,625.
What moves the price
- The loan size matters, since the fee is usually a percentage of the amount borrowed.
- Each lender sets its own rate, and some charge a flat fee or none at all.
- Taking a higher interest rate can lower or remove the fee.
- Mortgage points bought to lower the rate are counted separately.
- The type of loan and the buyer's credit file can change what a lender asks.
- Where you live. Prices in big cities usually run higher than in small towns.
What is included
The fee usually covers the lender's work to process, underwrite and fund the loan. Appraisal, title, credit report and recording fees are separate charges. Some lenders list processing and underwriting as separate lines instead of one origination fee.
Origination fee at 0.5% to 1% of the loan
| Loan amount | Origination fee |
|---|---|
| $200,000 | $1,000 to $2,000 |
| $300,000 | $1,500 to $3,000 |
| $400,000 | $2,000 to $4,000 |
| $500,000 | $2,500 to $5,000 |
| $600,000 | $3,000 to $6,000 |
Average prices in US dollars. Source: Bankrate.
Ways to pay less
- Comparing Loan Estimates from several lenders shows who charges the least.
- Some credit unions and online lenders charge no origination fee, but the rate may be higher.
- A buyer can ask the lender to cut or waive part of the fee.
- A buyer can ask the seller to pay part of the closing costs.
What price guides say
We checked 4 price guides and read every number on their pages. They do not all measure the same thing, so the ranges on this page come from putting them side by side.
- Bankrate: Origination fee: What it is and how to lower your mortgage costs
- NerdWallet: Origination fee
- Rocket Mortgage: Mortgage origination fee
- CFPB: What are mortgage origination services? What is an origination fee?
Common questions
How much does this cost in 2026?
Mortgage loan origination fee fee run $1,750 to $4,200 per $350,000 mortgage in 2026, and most people pay about $2,625. Most people pay about $2,625 per $350,000 mortgage. The low end is $1,750 and the high end is $4,200.
What changes the price the most?
The biggest factors are: The loan size matters, since the fee is usually a percentage of the amount borrowed; Each lender sets its own rate, and some charge a flat fee or none at all; Taking a higher interest rate can lower or remove the fee.
How can I pay less?
Comparing Loan Estimates from several lenders shows who charges the least. Some credit unions and online lenders charge no origination fee, but the rate may be higher. A buyer can ask the lender to cut or waive part of the fee.
Where do these numbers come from?
From 4 named price guides: Bankrate, NerdWallet, Rocket Mortgage, CFPB. Each one is linked on this page with the date we read it.
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