After evaluating your loan application, the lender decides to extend to you an FRM commitment for $3,150,000 at 7.25 percent interest for 25 years. The lender also expects that market rates will move upward very soon, perhaps even before the loan is closed. To be on the safe side, the lender wants to charge a loan origination fee to make the mortgage loan yield 7.7 percent. a. What origination fee should the lender charge? b. What fee should be charged if it is expected that the loan will be repaid after 7 years