While I know some loan originators may charge an application fee that is non-refundable, I've never heard of anyone charging a 1% origination fee to lock a rate. Did you pay this up front or is it part of your loans closing costs? Perhaps the originator meant that in order to get you the lowest rate possible, you would be paying a 1% origination fee. This is pretty common in that originators get paid by charging origination points, through rebates paid by the lender or a combination of both. (I used to be in lending). There is never a fee to lock a rate. I suspect that it may not have been presented correctly to you and that the 1% origination fee is just that; the fee to originate the loan with you getting locked into the best rate possible- you would not get this back.
Hope this helps,