...penalties include fees,same same!
Not at all. A penalty would be paid to the mortgage holder if there were any such penalties built into the contract for early termination. I'm sure such clauses exist somewhere, but not in any mortgage I've ever experienced (personally or through anyone I know).
The new mortgage lender may charge origination fees to initiate the loan. But that goes to the new mortgage lender, not the lender being paid off. So not the same at all.