Understanding loan origination fees

[Siouxzie Hanes]

Are origination fees different across the board and is there a cap?

My estimate was 4.8% rate conventional bank statement loan was high but was okay with it. Now it's coming back as 7.2% when they sent the paperwork and it also shows 2% points, $13,000 origination fee and $2k misc cost for a total of $16,050 in loan fees. Does this seem normal? 

Thank you.