Am I Being Scammed? Origination Fee

[Ayodeji Kuponiyi]

I’m looking for a loan to purchase an 5 Unit apartment and came across a lender. He told me I have to pay a $3,600 origination fee for for $180K. 

I told the lender from Metro Financial Services, INC that I didn’t want to pay the fee if it’s not guaranteed that I’ll get the loan to which he assured me that I will definitely be approved for the loan & there will be a contract letter stating I’m going to get the loan funds. If something happens my money will be refunded back to me.

What are your thoughts? Is this a scam? The lender’s name is Gerald Kelly. Thanks in advance!