Yes. When you submit a mortgage application to a lender you will be charged a loan origination fee or process fee. This fee covers the costs of obtaining your credit history and having a professional appraisal done on the home, in addition to the work done by the lender.
Generally, loan origination fees are not refundable, even if the lender will not provide you with a mortgage loan. That is the primary reason that a potential home buyer needs to clear up all errors on his or her credit report and use the tools in this book to make sure that he or she can afford the mortgage he or she is applying for.