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.
Loan origination refers to the initiation and completion of the home loan process, which begins when a borrower submits their financial information to a bank or mortgage lender for loan processing.his âloan origination feeâ is paid to the loan officer or broker who initiates and completes the loan transaction with the borrower, and is only paid out if and when the loan funds. This fee is basically the originatorâs commission for getting you a loan.