- Home
- Lender fees by loan type
- Conventional Purchase Loan Lender Fees
Conventional Purchase Loan Lender Fees
Lender fees on a conventional purchase loan are the charges in Section A of your Loan Estimate, the box labeled Origination Charges on page 2. This page shows what lenders actually charged there on 2,030,868 conventional purchase loans in the HMDA 2024 data, split by loan size. Points are included, because the public record reports Section A as one total and never breaks it into separate fees.
Source: HMDA public loan data, 2024, national, conventional purchase, Section A total, points included.
Section A on conventional purchase loans, HMDA 2024 data
| Loan size | 25th percentile | Median | 75th percentile | Loans |
|---|---|---|---|---|
| Under $150,000 | $950 | $1,527 | $2,507 | 209,452 |
| $150,000 to under $300,000 | $1,211 | $2,036 | $3,996 | 668,788 |
| $300,000 to under $500,000 | $1,325 | $2,570 | $5,775 | 640,831 |
| $500,000 and up | $1,250 | $2,172 | $7,485 | 515,805 |
| All sizes | $1,202 | $2,075 | $4,817 | 2,030,868 |
Source: HMDA public loan data, 2024, national, conventional purchase, Section A total, points included. Slide the table sideways to see every column.
The typical range for your loan size is the span from the 25th to the 75th percentile. Half of the loans in that band closed inside it, a quarter closed under it, and a quarter closed over it.
Section A on conventional purchase loans, HMDA 2024 data25th to 75th percentile, median marked
Typical range, 25th to 75th percentileMedianIllustrative total from the worked reading
Which charges the table counts
Section A holds the money that goes to the lender itself for making the loan. The CFPB's list of what belongs there runs to application fees, origination fees, underwriting fees, processing fees, verification fees and rate-lock fees, plus any discount points you pay to lower the rate. Appraisal, credit report, title work and recording live in later sections and are not in these figures.
HMDA takes the number from the Closing Disclosure, so it reflects what the borrower actually paid the lender at closing. A loan where the lender collected nothing upfront in Section A reports $0 and counts in the distribution like any other loan.
What a conventional loan carries outside Section A
Conventional loans have no upfront government premium. There is no counterpart to the FHA upfront mortgage insurance premium or the VA funding fee, so nothing of that kind appears in Section B on a conventional Loan Estimate. If your down payment is under 20 percent, private mortgage insurance is usually paid monthly rather than as a closing charge, and it never touches Section A.
The pricing adjustment that does exist on conventional loans is the loan-level price adjustment, or LLPA. Fannie Mae and Freddie Mac publish grids that move your price based on credit score, down payment, occupancy, property type and loan purpose. Those adjustments are not a line on the form. They arrive either inside the interest rate you are offered or as points in Section A, so the same adjustment can show up in this table on one loan and in the rate on another.
How the size bands move
The median rises from $1,527 under $150,000 to $2,570 in the $300,000 to under $500,000 band, then sits at $2,172 for loans of $500,000 and up. The 75th percentile is a different story, climbing from $2,507 to $7,485 across the same bands. Flat dollar fees do not scale with loan amount, while points do, so the upper quarter of each band carries more of the loan-size effect than the middle does.
Conventional against FHA and VA purchases in the same record
The all-sizes median in the same HMDA 2024 data was $3,089 for FHA purchase loans and $1,015 for VA purchase loans. Conventional purchase sat at $2,075. The three programs also differ in what sits outside Section A, which this page describes above and the FHA and VA pages describe for their programs.
A worked reading
Take a $350,000 conventional purchase with these illustrative Section A lines: an origination fee of $1,750, points of $875, underwriting of $600 and processing of $450. The Section A total is $3,675.
A $350,000 loan falls in the $300,000 to under $500,000 band, where the typical range is $1,325 to $5,775. A total of $3,675 is within the typical range for that band. The reading measures the total. It says nothing about any single line, and no single line has a public benchmark of its own.
Common questions
Are discount points part of these lender fee figures?
Yes. HMDA reports Section A as one total with points included, so a loan that bought down its rate sits higher in this table while carrying a lower rate. Read the total alongside the rate rather than on its own.
Does Section A include the appraisal or title fees?
No. The appraisal, credit report and flood certification sit in Section B, and title services sit in Section B or C depending on whether you could shop for them. This table covers the lender's own charges only.
Why does the 75th percentile jump above $500,000 while the median does not?
The record does not state a reason. What the form tells us is that points are a percentage of the loan amount while most other Section A charges are flat dollars, so the quarter of large loans that paid points shows a wider spread than the middle of the band.
Where your Section A total sits
This page shows the range. The inspection reads your Loan Estimate, confirms your loan size, program and purpose, and grades your Section A total and your rate against the same public data. The method is published at /methodology.
Reviewed on October 2026.
You pay $29 at checkout.
Sources
- FFIEC, HMDA Loan Application Register, 2024 data year, public release: https://ffiec.cfpb.gov/data-publication/ (percentiles computed by LoanInspection, published at /data/mortgage-fees)
- 12 CFR 1026.37(f)(1) and official comment 37(f)(1)-3 (what sits under Origination Charges): https://www.consumerfinance.gov/rules-policy/regulations/1026/37/
- 12 CFR 1003.4(a)(18) and comment 4(a)(18)-1 (HMDA origination charges field, borrower-paid total): https://www.consumerfinance.gov/rules-policy/regulations/1003/4/
- CFPB, What is mortgage insurance and how does it work (PMI paid monthly, little or no initial payment): https://www.consumerfinance.gov/ask-cfpb/what-is-mortgage-insurance-and-how-does-it-work-en-1953/
- LoanInspection methodology (Fannie Mae and Freddie Mac LLPA matrices): /methodology