A borrower is applying for a $150,000 mortgage. The lender charges a 1% origination fee ($1,500), a $500 appraisal fee, $300 in title charges, and a $2,800 'loan discount fee' without actually reducing the interest rate. Which fee is most likely to be challenged as an unearned fee under RESPA?

The title charges, because these must be paid directly to the title company The 1% origination fee, because origination fees must be zero on qualified mortgages The appraisal fee, because lenders cannot charge for third-party services The $2,800 loan discount fee, because discount fees must actually result in a corresponding interest rate reduction to be legitimate