Which of the following is NOT included in the origination fee?

The origination fee is typically charged by lenders for the processing of a new loan and covers various services associated with originating a loan. This fee includes costs related to processing the application, underwriting, and other administrative tasks necessary to set up the loan.

The reason why third-party fees are not included in the origination fee is that these fees are typically charged by external service providers. They might cover costs such as appraisal fees, title services, or similar expenses that are incurred while securing the loan but are not directly related to the lender's administrative functions.

On the other hand, the loan processing fee, credit report fee, and underwriting fee are all intrinsic to the lender’s operations when assessing a loan application. Each of these components is related specifically to the lender's provision of service in assessing and preparing the loan, thereby making them part of the origination fee.