To help Joe and Rhonda do the same, I decided to walk them through the fees borrowers are generally obligated to pay, and some of the junk fees that lenders charge to boost their profits. It also depends on the borrower — a loan applicant with a good credit score generally will pay lower fees than a borrower with bad credit because the lender may be required to do more legwork to qualify the borrower for a loan. Lender fees generally appear in the 800 range of those codes, and include such things as loan-origination fees, administrative costs, wire-transfer costs and other clerical fees. Administrative fees over and above that one point — including document-preparation fees, processing fees, wire-transfer and courier fees — are simply padding the bill. read more