loan origination fee

No, Chase is adding this on for extra money in their pocket. This "fee" should have been disclosed with the good faith estimate. So where is the good faith?

I have gone through many mortgage processes, and origination fees are pretty common, but nowhere near that amount. That is pretty nutty (also don't know why you need flood insurance, but I know nothing about what you are buying). I have heard Wells and BofA are offering much better deals these days.

i think i figured it out. the amount matches exactly the points i was paying to lower the interest rate.

funny because why can't they just call it "fees associated with points?"

without this fee, the total closing cost is $2400. This is almost exactly what BOA quoted me. Except BOA had a rate close to 40 basis points higher