I understand from the HUD Q & As that processing or administrative services, such as delivery or courier, are part of our origination charge; and may not be separately itemized.

If we charge the customer $25 for FEDEX fee do we simply add this to the Origination charge? It says we cant itemize this charge but that seems way simple. Any comments or suggestions appreciated.

Thanks

We incrased our flat fee loan origination charge based on historical courier fees and will not be itemizing it anywhere. It is all bundled into the loan origination charge.

agree. I would, however, go by the "average charge" rule and keep records of how you arrived at the fee you are charging.