Mortgage Origination Fee: How To Compare Lender Charges

Compare fees and mortgage rates among lenders to find the best deal.
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A mortgage origination fee is an upfront fee a lender charges for processing a loan. The fee is part of the closing costs you pay when the mortgage is finalized.

Like mortgage rates, origination fees vary among lenders, so it pays to shop around. The average mortgage origination fee in 2022 was about 1%, according to the most recent federal Home Mortgage Disclosure Act data. On a $350,000 mortgage, that would be $3,500.

Mortgage loans from our partners

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on Rocket Mortgage

Rocket Mortgage

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5.0

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580

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3.5%

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on Better

Better

4.5

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Better - PURCHASE logo

4.5

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620

Min. down payment 
3%

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on Better

Tomo - PURCHASE logo
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Tomo

4.0

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4.0

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580

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3%

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Guaranteed Rate

5.0

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Guaranteed Rate - PURCHASE logo

5.0

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620

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3%

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Mortgage loans from our partners

NBKC - PURCHASE logo
Check Rate

on NBKC

NBKC

5.0

NerdWallet rating 
NBKC - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
620

Min. down payment 
0%

Check Rate

on NBKC

Rocket Mortgage - PURCHASE logo
Check Rate

on Rocket Mortgage

Rocket Mortgage

5.0

NerdWallet rating 
Rocket Mortgage - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
580

Min. down payment 
3.5%

Check Rate

on Rocket Mortgage

Better - PURCHASE logo
Check Rate

on Better

Better

4.5

NerdWallet rating 
Better - PURCHASE logo

4.5

NerdWallet rating 
Min. credit score 
620

Min. down payment 
3%

Check Rate

on Better