Add What Items to Origination Fee for APR?

All charges that meet the definition of a "Finance Charge" (see Section 1026.4of Regulation Z) affect the APR. Finance Charges that must be paid at or before settlement (such as origination fees) are known as "Prepaid Finance Charges." This category of Finance Charge increases the APR and also decreases the Amount Financed. Residential lenders use fairly consistent terminology for standard charges, but the name given to a fee does not establish or change how it is classified by Regulation Z. Most lenders and regulatory compliance managers catalog all the fees they charge, classify them, and maintain a "cheatsheet." An example of such a listing is here.