Closing first vacation home mortgage - are these normal costs?

[Jade Deguzman]

We're doing the disclosures now and I was quite surprised at the 2.469% of Loan Amount (points) Origination charge which brings the total Origination charges to $16,500 (Property cost is 645K, 10% down). Our lender says that's normal because its a vacation home. 

Another big one would be $3367 in Lender's Title insurance. Just wondering if this is all normal? Thanks!