The loan origination fee limit is the greater of $2,500 or two percent of the maximum claim amount of the mortgage, up to a maximum claim amount (MCA) of $200,000, plus one percent of any portion of the maximum claim amount that is greater than $200,000.
Lenders may accept a lower origination fee when appropriate. The total amount of the loan origination fee may not exceed $6,000.
For more information see:
Mortgagee Letter 2008-34 available at https://www.hud.gov/program_offices/administration/hudclips/letters/mortgagee
Federal Register 24 CFR Parts 30 and 206.31 at: https://www.govinfo.gov/content/pkg/FR-2017-01-19/pdf/2017-01044.pdf