What's the going rate for broker fees in 2025? Feeling like I'm leaving money on the table.

Daniel, I've been at 2 points minimum for 4 years. On complex deals or rush closings I charge 2.5-3. The key is framing: you're not charging 2 points, you're providing access to capital that the borrower can't get elsewhere, expertise in structuring, and a managed process. When framed that way, 2 points feels like a bargain. The brokers charging 1 point are usually the ones who are afraid of losing the deal. But the borrowers who push hardest on fees are often the most difficult to work with anyway.

2 points is standard. 1 point is leaving money on the table. 3 points on complex deals is fair.

i was at 1-1.5 for years and finally bumped to 2 last year. lost maybe 2 borrowers out of 30. not worth the discount i was giving everyone else

I've charged 2 points since 2010. Never apologized for it. The borrowers who argue about your fee are the same ones who'll argue about everything else. Let them go.

This is exactly what I needed to hear. Raising my floor to 2 points effective immediately. Angela — the framing advice is gold.

What about on smaller deals like $150k? Does 2 points still make sense or do you adjust?

@Liam — on smaller deals I sometimes charge a flat fee minimum ($3,000-4,000) rather than a percentage. 2 points on $150k is only $3,000 which barely covers my time. A flat minimum protects you on the small ones.