Quick answer: Whether your origination charges are "normal" depends on what's inside Section A on page 2 of your Loan Estimate — the fees your lender charges to make the loan, plus any points — so compare Section A line by line against another Loan Estimate for the same loan, not against a number someone posted online.
Written by John Stafford, Loan Officer, NMLS #2470539 — GoRascalJohn powered by GoRascal Inc., based in Odessa, TX and licensed in Texas and Tennessee. I review Loan Estimates for buyers every week and have closed 100+ loans since late 2022. As of October 2026.
A TikTok viewer asked me, "Are my origination costs decent?" It's the most common question I get. Here's how to answer it yourself.
What's in Section A
Section A, "Origination Charges," can include:
- Points (% of loan amount) — money paid to buy a lower rate. Shown on its own line.
- Application, underwriting, processing or origination fees — the lender's own charges.
- Broker compensation, if a broker is involved.
Why Section A matters most
Under the CFPB's TRID rule, Section A fees generally can't increase at closing (zero tolerance) unless there's a valid changed circumstance and a revised Loan Estimate. That makes Section A the cleanest apples-to-apples comparison between lenders.
What most articles get wrong
They compare Section A only. Always read it with the rate and the points together — a low Section A can come with a higher rate, and a "no fee" offer can hide the cost in the rate or a lender credit on page 2.
How to check yours in 5 minutes
- Write down every Section A line and the points line.
- Note the rate and lock period on page 1.
- Get a second Loan Estimate for the same loan type, same day.
- Compare Section A + points + lender credits side by side.
- Ask the lender to explain any fee you can't name.
FAQ
Can Section A go up later?
Generally no, except with a valid changed circumstance and a revised Loan Estimate.
Are Section B fees the same thing?
No. Section B is services you can't shop for (like appraisal, credit report); those are third-party charges.
Will you look at mine?
Yes. Send me your Loan Estimate and I'll look it over myself.
Send me your Loan Estimate and I'll look it over myself. Text it to 713-728-6662 (cover your Social Security and loan numbers).
This article reflects information as of October 2026. Terms and eligibility change — confirm current details with a licensed loan officer before making financial decisions. Not a commitment to lend or an offer of credit.
John Stafford NMLS #2470539 | GoRascalJohn powered by GoRascal Inc. NMLS #2072896 · Licensed in Texas and Tennessee · 713-728-6662 · gorascaljohn.com · Office: 1410 E 8th St, Suite B, Odessa, TX 79762 · Equal Housing Opportunity