If you haven't completed your purchase by now, absolutely ask what the actual lender fees are. All 3rd party fees will be similar, but the individual lender can charge what they want. It may also include a cost to buy down the rate which may or may not suit your personal situation. If you aren't comfortable asking questions of your lender, I suggest changing lenders. We work for you and there has to be a level of trust for your purchase to go smoothly.