Which of the following fees is included in loan-related fees?

Loan-related fees encompass various costs associated with securing a loan. The credit report fee is specifically charged by lenders to obtain a borrower’s credit report, which is crucial in evaluating the borrower’s creditworthiness and financial reliability. Understanding a borrower’s credit history is essential for lenders in making informed lending decisions, thus this fee directly ties into the loan approval process.

In contrast, a tax preparation fee relates to the preparation of tax returns and is not a cost that lenders incur while assessing a loan application. A home inspection fee typically pertains to the evaluation of a property’s condition prior to purchase and while it is important in real estate transactions, it is not considered a direct loan-related fee from the lender's perspective. Lastly, an insurance premium is associated with various types of insurance coverage (like homeowner’s insurance) and, while often necessary in real estate transactions, it is not a fee that the lender applies for processing the loan itself. Hence, the credit report fee stands as the most relevant fee among the options presented.