An origination fee is a one-time, loan processing fee some -- but not all -- lenders charge. It's typically a percentage of your total loan amount and deducted from your loan funds. For example, if you take out a $10,000 loan with a 5% origination fee, you'll only receive $9,500 but will still be responsible for repaying the full $10,000, plus interest.
The factors that determine your origination fee amount and APR are the same that determine your eligibility for a personal loan. Your credit score, credit history, income, loan amount, loan terms and status as a single applicant or co-applicant will likely have an impact. Applicants with higher credit scores and established credit histories will qualify for the lowest rates and fees. Shorter loan terms and larger loan amounts tend to have lower rates.