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June 26, 2014

Lenders Respond to QM 3-Point Fee Cap by Taking Profits From Gain-on-Sale

By Paul Muolo

“Rather than earning on the front end, they’re increasing margins on the secondary sale," said mortgage analyst Ken Richey.

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In 2016, what have you been paying your retail residential loan officers, on average, as a commission?

25 to 50 basis points per loan
51 to 75 bps
76 to 100 bps
101 to 150 bps
More than 150 bps
We’re a call center lender and don’t disclose that data point.

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