In terms of a loan's interest rates, which of the following would not be included in the origination costs?

The correct answer is that inspector fees would not be included in the origination costs of a loan. Origination costs typically refer to fees that lenders charge to process a new loan application, often considered part of the loan's overall costs. These costs may include the loan origination fee, which compensates the lender for evaluating and preparing your mortgage loan; the application fee, which covers the costs associated with processing your application; and the yield spread premium, which is a fee that can be paid by a lender to a broker for offering a higher interest rate on a loan.

Inspector fees, however, are generally associated with third-party services needed to evaluate the condition of the property being financed, such as home inspections or appraisals. These are separate from the costs related to the actual loan origination process, thus making them not part of the origination costs. Understanding this distinction is vital for accurately assessing the total cost of obtaining a mortgage and for budgeting purposes.