All of the following are considered "lender fees" under Minnesota law, EXCEPT?

In Minnesota, the classification of lender fees typically includes costs that the lender directly charges to process, underwrite, and originate a loan, which makes processing fees, origination fees, and underwriting fees legitimate lender fees.

Recording fees, however, are different. These fees are usually paid to a third party, such as a government agency, for the official recording of a mortgage or deed of trust associated with the property. Since recording fees are not retained by the lender but rather are costs associated with public records, they do not fall under the category of "lender fees" as defined by Minnesota law.

Understanding this distinction is crucial for compliance with lending regulations and ensuring borrowers are adequately informed about the costs associated with obtaining a mortgage.