Not certain if it is the sam thing but might be worth looking at. When I applied for a federal student loan they typically came with a 3% fee. That was the maximum amount a Federal Lender could accept and interest rates wer set by the government so it was all the same.
Where lender differentiated themselves was by offering incentives. Those incentives often time incLUDED waiving the 3% origination fee provided I kept the loan with them for 2 years or offering interest rate reductions for setting up auto pay.
I’ll make a bet that FHA is very similar. If you shop around and ask what incentives a lender may offer as part of their program you may find the origination fee goes away.
That is a guess and based on my experience with Federal Student Loans.
