Do we have to escrow HOA fees?

No. Escrows are a risk decision for your bank, unless your investor requires escrows for certain items or LTVs.

Ok so if we are escrowing because of a hpml loan we only have to Escrow the insurance, flood, & property tax no HOA fees

HOA fees are not included:

(b) Escrow accounts. (1) Requirement to escrow for property taxes and insurance. Except as provided in paragraph (b)(2) of this section, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.

Thank you