Final answer:
Fees can be added during the pre-decisioning stage of a loan application, as lenders assess potential borrowers and might pass on costs such as credit report and loan origination fees.
Step-by-step explanation:
True: Fees are sometimes added in the pre-decisioning portion of a loan. Pre-decisioning is the stage in the loan application process where lenders evaluate potential borrowers before making a final decision on whether to extend credit. During this phase, lenders may incur costs such as credit report fees, loan origination fees, or appraisal fees, which they might choose to pass on to applicants. These fees can impact the overall cost of obtaining a loan, even before the loan is formally approved.