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.
How Mortgages Work. The origination fee is how lenders make money up front on your mortgage loan. Origination fees are calculated as a percentage of the total loan, usually between 0.5 and 1 percent on U.S. mortgages [source: Investopedia]. Going back to our APR example, let's say that the second lender charges a 3 percent origination fee, plus an application fee and other costs totaling $3,820 at closing.
The average loan origination fee will be 0.5 to 2% of the loan amount, if expressed in points. It is charged by mortgage brokers for processing and closing your mortgage. Sometimes title fees, escrow, appraisal and other fees will be zeroed, but the loan origination fee will be inflated and high above the average. If that is the case, your loan origination fee will not be tax deductible.