Charging an upfront underwriting fee is unacceptable. Lenders should stop doing business with brokers that do so. Same for fees charged by brokers after a deal got funded (I've seen up to 15% on the funding amount!!) Merchants are already having a hard time with the high rates, they should not get charged any other bs fees. Same for lenders that charge 10% for UCC , ACH,....fees on a 40%+ factor.