HOEPA FEE MATRIX

All Products

Fee

Include in HOEPA Points & Fees Calculation if paid to:

Lender

Broker or Broker Affiliate

Non-Affiliated Third Party

ABSTRACT/TITLE SEARCH FEE

YES

YES

NO

ADMINISTRATION FEE

YES

YES

YES

APPLICATION FEE (Lender)

YES

YES

YES

APPRAISAL FEE

YES

YES

NO

APPRAISAL SERVICE FEE

YES

YES

NO

APPRAISAL/REVIEW (Second Appraisal or Appraiser Review Fee)

YES

YES

NO

ARCHITECTURAL FEE

YES

YES

YES

ARCHITECTURAL/ENGINEERING FEE

YES

YES

YES

ASSIGNMENT FEE

YES

YES

YES

ASSUMPTION FEE

YES

YES

YES

ATTORNEY FEE (Borrower)

YES

YES

NO

ATTORNEY FEE (Lender or Borrower)

YES

YES

YES

BACK END POINTS FEE

NO

NO

N/A

BROKER APPLICATION FEE

YES

YES

YES

BROKER APPRAISAL FEE

YES

YES

NO

BROKER COURIER FEE

YES

YES

YES

BROKER CREDIT REPORT FEE

YES

YES

NO

BROKER DISCOUNT POINT FEE

YES

YES

YES

BROKER ORIGINATION FEE

YES

YES

YES

BROKER PROCESSING FEE

YES

YES

YES

CHECK/WIRE FEE

YES

YES

YES

CLOSING AGENT FEE

YES

YES

YES

CLOSING INDEMNIFICATION/PROTECTION

LETTER FEE

YES

YES

YES

CLOSING REVIEW FEE

YES

YES

N/A

COMMITMENT FEE

YES

YES

YES

CONDO EXCEPTION FEE

YES

YES

YES

CONSTRUCTION EXTENSION FEE

YES

YES

N/A

CONSTRUCTION INTEREST FEE

NO

N/A

N/A

CONSTRUCTION LOAN FEE

YES

YES

YES

COPY FEE

YES

YES

YES

COURIER FEE

YES

YES

YES

CREDIT REPORT FEE

YES

YES

NO

CURBSIDE FUNDING FEE

YES

YES

N/A

DELIVERY FEE

YES

YES

YES

DISCOUNT POINT (borrower/lender paid)

YES

YES

N/A

DOCUMENT PREPARATION FEE

YES

YES

NO

DOCUMENT REVIEW FEE

YES

YES

N/A

DOCUMENT SIGNING FEE

YES

YES

YES

EARLY WIRE FE

YES

YES

YES

E-MAIL FEE

YES

YES

YES

ENDORSEMENT FEE

YES

YES

NO

ESCROW AGENT FEE

YES

YES

YES

ESCROW WAIVER FEE

YES

YES

N/A

EXPRESS MAIL FEE

YES

YES

YES

EXTENDED RATE CAP FEE

YES

YES

N/A

FAX FEE

YES

YES

YES

FHA 302K CONSULTANT FEE

YES

YES

YES

FHA 203K DISCOUNT FEE

YES

YES

N/A

FHA 203K SUPPLEMENTAL ORIGINATION FEE

YES

YES

YES

FHA UPFRONT MIP FEE

YES

YES

YES

FILE FEE

YES

YES

YES

FLOOD CERTIFICATION

YES

YES

YES

FLOOD CONVERSION FEE

YES

YES

YES

FLORIDA INTANGIBLE TAX

NO

N/A

N/A

FUNDING/LOAN DISBURSEMENT FEE

YES

YES

YES

INSPECTION (LENDER) FEE

YES

YES

N/A

INSPECTION (THIRD PARTY) FEE

YES

YES

NO

INSURING PACKAGING FEE

N/A

N/A

N/A

INTEREST (PREPAID)

NO

NO

N/A

INTEREST CREDIT

N/A

N/A

N/A

INTEREST RATE CAP DEPOSIT FEE

YES

YES

N/A

INTEREST RATE CAP FEE

YES

YES

N/A

INTEREST RATE LOCK-IN DEPOSIT FEE

YES

YES

N/A

INTEREST RATE LOCK-IN FEE

YES

YES

N/A

INTERIM INTEREST ADJUSTMENT

YES

YES

N/A

IRS FORM 4506-T FEE

YES

YES

YES

LENDER ADMINISTRATIVE FEE

YES

YES

YES

LENDER DOCUMENT PREPARATION FEE

YES

YES

NO

LENDER PROCESSING FEE

YES

YES

YES

LENDER REVIEW FEE

YES

YES

N/A

LOAN MODIFICATION FEE

YES

YES

N/A

LOAN TIE-IN FEE

YES

YES

YES

MAIL SERVICES FEE

YES

YES

YES

MERS FEE

YES

YES

YES

MESSENGER FEE

YES

YES

YES

MORTGAGE BROKER FEE

YES

YES

YES

MORTGAGE REGISTRATION FEE

N/A

N/A

NO

MORTGAGE TAX

N/A

N/A

NO

MUNICIPAL LIEN FILING FEE

N/A

N/A

NO

MUNICIPAL LIEN SEARCH

YES

YES

NO

NOTARY FEE

YES

YES

NO

ORIGINATION FEE

YES

YES

N/A

OVERNIGHT DELIVERY FEE

YES

YES

YES

PERMIT FEE

YES

YES

NO

PEST INSPECTION FEE

YES

YES

NO

PMI INSURANCE PREMIUM

YES

YES

YES

PREPARATION OF DOCUMENTS (CEMA) FEE

YES

YES

NO

PREVIOUS DAY WIRE FEE

YES

YES

YES

PROCESSING FEE

YES

YES

N/A

PRPOERTY INSPECTION FEE

YES

NO

YES

PROPERTY WAIVER FEE

YES

YES

NO

RATE LOCK EXTENSION FEE

YES

YES

N/A

RECORDATION TAX FEE

N/A

N/A

N/A

RECORDING FEE

N/A

N/A

NO

REDRAW FEE

YES

YES

YES

RUSH FEE

YES

YES

YES

SATISFACTION RECORDING FEE

N/A

N/A

NO

SELLER'S DISCOUNT POINT FEE

NO

NO

NO

SERVICE RELEASE FEE

NO

NO

N/A

SETTLEMENT AGENT FEE

YES

YES

YES

SUB-ESCROW FEE

YES

YES

YES

SUBORDINATION FEE

YES

YES

YES

SUBORDINATION RECORDING FEE

YES

YES

YES

SURVEY ENDORSEMENT FEE

YES

YES

NO

SURVEY FEE

YES

YES

NO

TAX SERVICE (LENDER) FEE

YES

YES

YES

TAX SERVICE FEE

YES

YES

YES

TAX/INSURANCE (PAID-IN-ADVANCE) FEE

YES

YES

NO

TAX/STAMP FEE

N/A

N/A

YES

TITLE AGENT FEE

YES

YES

NO

TITLE EXAMINATION FEE

YES

YES

NO

TITLE INSURANCE BINDER FEE

YES

YES

NO

TITLE INSURANCE POLICY FEE

YES

YES

YES

TITLE INSURANCE UPDATE FEE

YES

YES

NO

TRUST DATE ENTRY FEE

YES

YES

N/A

UNDERWRITING/RE-UNDERWRITING FEE

YES

YES

N/A

VA FUNDING FEE

YES

YES

YES

VOE FEE

YES

YES

YES

WAREHOUSING FEE

YES

YES

YES

WIRE FEE

YES

YES

YES

YIELD SPREAD PREMIUM FEE

NO

NO

N/A