what do you think of these HML junk fees?

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Hello guys,

my partner and i are using for the first time a local hard money lender in the los angeles area. We are borrowing 250k over 3 months

We just received their estimated settlement statement which seems to carry a significant amount of junk fees:

Amount requested                                   250,000.00

type                                                             2nd trust deed

terms:                                                         no pre payment penalties after 3 months

rate                                                             10%

Points 1,75                                                4,375.00

lender Underwriting                                795.00

lender Admin                                            700.00

lawyer fee                                                   1,000.00

Escrow Fees                                                450.00

title co Property Inspection Fee              75.00

Notary Fee                                                  175.00

Electronic Recording Fees to title co       20.00

Lender Refinance Policy to Title co         1,032.00

Endorsement - estimate to Title co         125.00

Recording Fees to Title co                         75.00

Deed of Trust Recording to title co         150.00

total junk fees                                             $4597

It is the first time we use a hard money lender, but to me 50% of these fees are avoidable and should be negociated

Could you guys give me your opinion about these terms and what are the fees you'd pay and wouldn't?

thanks