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FHA Purchase Loan Lender Fees (Origination Charges)
If you searched for FHA closing costs, this page covers one slice of them: the Origination Charges in Section A of the Loan Estimate, which is the part your lender sets. It draws on 598,473 FHA purchase loans reported under HMDA for 2024. The upfront mortgage insurance premium, the appraisal and the title work are closing costs too, but they are not lender fees and they are not in this table.
Source: HMDA public loan data, 2024, national, FHA purchase, Section A total, points included.
FHA purchase loans, Section A total, HMDA 2024 data
| Loan size | 25th percentile | Median | 75th percentile | Loans |
|---|---|---|---|---|
| Under $150,000 | $1,299 | $2,054 | $2,995 | 45,394 |
| $150,000 to under $300,000 | $1,433 | $2,821 | $4,575 | 250,052 |
| $300,000 to under $500,000 | $1,400 | $3,927 | $7,235 | 244,957 |
| $500,000 and up | $1,695 | $5,945 | $11,303 | 56,939 |
| All sizes | $1,440 | $3,089 | $5,811 | 598,473 |
Source: HMDA public loan data, 2024, national, FHA purchase, Section A total, points included. Slide the table sideways to see every column.
Read the middle column as the midpoint and the outer columns as the edges of the typical range. A loan at the 75th percentile paid more in Section A than three quarters of FHA purchase loans of its size that year.
FHA purchase loans, Section A total, HMDA 2024 data25th to 75th percentile, median marked
Typical range, 25th to 75th percentileMedianIllustrative total from the worked reading
The upfront MIP is not a lender fee
Every FHA loan carries mortgage insurance paid to the FHA, with an upfront premium due at closing and an annual premium folded into the monthly payment. The CFPB's Loan Estimate explainer places the upfront premium in Section B, Services You Cannot Shop For, and notes that the program sets the amount rather than the lender. So the biggest single closing charge on many FHA loans sits one box below the figures on this page and plays no part in them.
The annual premium shows up in two other places. The first months of it can appear in Section F as a prepaid, and the ongoing monthly amount appears in the Projected Payments table on page 1. Neither is a Section A item.
What is in the figures
The HMDA field behind this table is the total of borrower-paid amounts in Origination Charges on the Closing Disclosure. In plain terms, that is every dollar the borrower paid the lender for making the loan, with points counted in. The record keeps that as one number per loan. It never lists the origination fee, the underwriting fee or the points separately, which is why this page gives you a total to compare against and nothing per line.
Loan size and the spread
Most of these FHA purchase loans, 495,009 of 598,473, were between $150,000 and $500,000. Across those two bands the median goes from $2,821 to $3,927, and the 75th percentile from $4,575 to $7,235. The upper edge grows faster than the middle, which is what you would expect when some loans in each band pay points and points scale with the loan amount.
FHA purchase next to the other two purchase programs
The same 2024 record shows an all-sizes median of $2,075 for conventional purchase loans and $1,015 for VA purchase loans, against $3,089 for FHA. A quarter of VA purchase loans reported $0 in Section A, and no FHA purchase band comes close to that. The data says what was charged and nothing about why one program's distribution sits where it does, so this page leaves that question alone.
A worked reading
Suppose a $250,000 FHA purchase shows these illustrative Section A lines: origination fee $2,500, points $1,250, underwriting $675 and processing $425. That adds up to $4,850.
The loan belongs to the $150,000 to under $300,000 band, where the typical range runs from $1,433 to $4,575. A total of $4,850 is above the typical range for that band. The figure to carry away is the total. A reading of one line in isolation has no public benchmark behind it.
Common questions
Does the HMDA lender fee total include the FHA upfront premium?
No. The upfront mortgage insurance premium is disclosed in Section B on the Loan Estimate, and the HMDA origination charges field covers Section A only. Your lender fee total and your upfront MIP are separate numbers.
My loan is exactly $300,000. Which band is it in?
The $300,000 to under $500,000 band. Each band starts at its lower number and runs up to, but not including, the next band's starting point. Exactly $500,000 belongs in the $500,000 and up band.
Is the FHA median the same across the country?
This table is national. HMDA covers every state, but we publish one distribution per program, purpose and size band, so a state-by-state figure is not available here.
Reading your own total
The ranges above are public. Your position on them is what the inspection reads from your Loan Estimate, using the same data, matched to your loan size and purpose. The full method is at /methodology.
Reviewed on October 2026.
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Sources
- FFIEC, HMDA Loan Application Register, 2024 data year: https://ffiec.cfpb.gov/data-publication/ (LoanInspection percentiles at /data/mortgage-fees)
- CFPB Loan Estimate explainer, Services You Cannot Shop For (FHA, VA and USDA upfront premium or funding fee appears in this section): https://www.consumerfinance.gov/owning-a-home/loan-estimate/
- Official comment 37(f)(2)-2 to 12 CFR 1026.37 (upfront mortgage insurance fee as a Section B example): https://www.consumerfinance.gov/rules-policy/regulations/1026/37/
- CFPB, What is mortgage insurance and how does it work (FHA upfront and monthly premiums): https://www.consumerfinance.gov/ask-cfpb/what-is-mortgage-insurance-and-how-does-it-work-en-1953/
- 12 CFR 1003.4(a)(18) (HMDA origination charges): https://www.consumerfinance.gov/rules-policy/regulations/1003/4/