Third-party fees are often costs collected by the lender and passed on to the individual who conducted the service. An appraiser, for example, receives the appraisal fee, a credit agency gets the credit report charge, and a title business or an attorney gets the title insurance fees. The appraisal charge, credit report cost, settlement or closing fee, survey fee, tax service fees, title insurance fees, flood certification fees, and courier/mailing fees are examples of third-party expenses. Typically, third-party costs will vary slightly from lender to lender since a lender may have negotiated special pricing from a source they use frequently or chose a service that gives countrywide coverage at a fixed rate. Some lenders may additionally absorb modest third-party expenses, such as the flood certification charge or the tax service fee.