No, it is illegal for any entity (originator, broker, lender) to be paid by the borrower and any other entity at the same time. Each loan must be EITHER borrower paid, OR lender paid. But the details you provide in your question do not contain the answer to whether you are paying, as a borrower paid loan, or the lender is paying, as in lender paid loan. Your origination charge is not merely "a flat $1350" , it is a NET $1350. Either a lender paid or a borrower paid loan can have a specific net cost. But the bottom line is that origination charges on a loan cannot be paid by both the borrower and the lender at the same time. There is no "extra" commission.