The loan officers are paid by commission. The earnings of the loan officer and the branch are split between them. The fees that are not subject to the points are not split up and instead directly go to the branch. Before giving you his quotation price, the lender will add on the profit he and his branch would like to make. Don’t worry however as there limits are set by the company as how high or much he or she can add to his cost. For the lender, he or she should not worry about the limitations because between the minimum and maximum there is a great deal of flexibility.