The most common forms are white phosphorus, made up of phosphorus atoms arranged like a tetrahedron (a four-sided pyramid), and red phosphorus, a solid but non-crystalline form of the element. Less common is black phosphorus, which is made of atoms arranged in a ring structure and looks a bit like the graphite at the point of a pencil.
(February 2009) (Learn how and when to remove this template message) Loan origination is the process by which a borrower applies for a new loan, and a lender processes that application. Origination generally includes all the steps from taking a loan application up to disbursal of funds (or declining the application). Loan servicing covers everything after disbursing the funds until the loan is fully paid off.
Most of the time though, you will find a 1 point origination or none at all. If your loan amount is $300,000, a 1% origination fee would be $3,000 (1% X $300,000). An origination fee is part of your closing costs and is disclosed on the Good Faith Estimate and closing statement. bank or a broker can charge an origination fee. The standard origination fee is 1% or 1 point. The word point and percentage are used interchangeably. But there is no rule on how much or little a company can charge for origination.