What type of fees are charged by a local recorder's office for recording a mortgage or deed of trust?

Recording fees are the specific charges levied by a local recorder's office for the official act of recording documents such as mortgages or deeds of trust. This process is essential because it provides public notice of the financial interest in a property, which is important for both the lender and the borrower. Recording ensures that there is a legal record of the transaction, helping to protect the rights of all parties involved.

Processing fees and application fees typically relate to the processing or handling of applications or requests but are not specifically tied to the act of recording a mortgage or deed. Similarly, title insurance fees are associated with protecting against potential claims or defects in title rather than the actual recording process. Therefore, the correct choice is clearly the recording fees, as they are directly related to the document formalization in the local government’s records.