To elaborate on what the previous poster said, the loan discount fee is a fee charged to buydown the interest rate. It is not broker compensation and it is illegal for a broker or correspondent lender to charge a discount point that does not directly buy down the rate and instead further compensates the loan originator. The origination fee is just that, a fee for originating the loan. This would be the broker's compensation.
I would question him about the referral fee. With few exceptions, it is illegal for a loan officer to pay a referral fee. This is a violation of RESPA Section 8 and can incur some pretty serious penalties. Obviously a much different ball game than real estate agent to agent referral fees.
RESPA'S statutes explained: consumer protections and prohibited practices
Section 8: kickbacks, fee-splitting, unearned fees
Section 8 of RESPA prohibits anyone from giving or accepting a fee, kickback or any thing of value in exchange for referrals of settlement service business involving a federally related mortgage loan. In addition, RESPA prohibits fee splitting and receiving unearned fees for services not actually performed.
Violations of Section 8's anti-kickback, referral fees and unearned fees provisions of RESPA are subject to criminal and civil penalties. In a criminal case a person who violates Section 8 may be fined up to $10,000 and imprisoned up to one year. In a private law suit a person who violates Section 8 may be liable to the person charged for the settlement service an amount equal to three times the amount of the charge paid for the service.