As for lender commission, it’s not a secret. Regarding how big the commission is, it is ‘non published’ upfront. If it were not, you wouldn’t need to ask the simple question, or every broker would frankly explain it ..
Just for 417k 30yrs 0-point loan, when a rate of 4.625 yielded $2k in lender commission, $5k in commission could simply lead the same loan to a rate of 5.0.
Please don’t imply anything else here. I just tell a simple fact that the commission which seems directly coming from lender, would actually send a final loan rate higher than it should be.