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CALHFA convetional origination fees. Am Im being screwed? Need some guidance

I am going through a lender with a calhfa conventional loan and the lender is charging me a 14k in origination fees on top of 11k on points.

I'm currently looking at the calhfa conventional loan handbook and it says that "CalHFA allows: "Customary lender origination fees not to exceed the greater of 3% of the loan amount or $3,000" .

The 14k is 11k over 3000, is this allowed with calhfa conventional or am I misinterpreting the handbook?
https://www.calhfa.ca.gov/homeownership/programs/FAQ-conventional.pdf

submitted by /u/Longwashere
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source https://www.reddit.com/r/RealEstate/comments/xltp0h/calhfa_convetional_origination_fees_am_im_being/
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