I’m looking to take a $750k loan on a house with 20% down in HCOL area and 800+ credit. I got a rate quote and bought some points to get to 3.25% 30 year locked in a few weeks ago when the rates started to rise. I feel like the origination fees are really high at 1.223% of loan. Am I getting screwed on this deal? Total closing costs are $20k.