Which of the following fees or charges is an allowable closing cost typically found on a Closing Disclosure?

Referral fees are payments made to individuals or entities for referring clients to a lender or service provider. These fees are often not permissible as closing costs on a Closing Disclosure, as they may violate RESPA (Real Estate Settlement Procedures Act) regulations, which aim to prevent kickbacks or unearned fees in real estate transactions.

A servicing fee covers the cost of managing a loan after it has been issued, including collecting payments and managing escrow accounts. While this fee is related to loan management, it is not typically categorized as a closing cost on the Closing Disclosure. Servicing fees usually come into play after the loan has closed.

A yield-to-loan fee is not a standard charge included in the Closing Disclosure. It typically refers to the profit margin lenders build into the loan's interest rate, which is not directly categorized as a closing cost. As such, it does not align with the allowable costs disclosed at closing.