At the time a loan is made, a lender may collect from the borrower: As to any item of the total property that secures a loan: The fees paid to a public official or governmental agency for recording or satisfying a mortgage, encumbrance, or lien on any property securing the loan; or An equal or lesser amount for nonfiling insurance premium on any property, or portion of the property, that is not recorded if: The Insurance Commissioner approves the rates; and A commission is not paid on the policy; and The title insurance premiums or reasonable attorney’s fees paid for searching and insuring the title to any real property securing the loan. A lender may collect from the borrower a fee not exceeding $15 if payment is made with a check that is dishonored on the second presentment.