what is origination 
origination is the multi step process that every individual must go through to obtain a mortgage or home loan the term also applies to other types of amortized personal loans origination is often a lengthy process that is overseen by the federal deposit insurance corporation fdic for compliance with title xiv of the dodd frank wall street reform and consumer protection act 12 a loan origination fee usually about 1 of the loan is intended to compensate the lender for the work involved in the process 