37877164__Predatory_Lending__June__2006__DEFINITION_OF_CHARACTERISTIC
[CHARACTERISTIC] Yield-Spread Premiums [DEFINITION OF CHARACTERISTIC] 
The payment a mortgage broker receives from a lender based on the difference between the actual interest rate on the loan and the rate the lender would have accepted on the loan given the risks and costs involved. The higher the actual loan rate compared with the acceptable loan rate, the higher the yield-spread premium. Yield-spread premiums provide incentives for mortgage brokers to steer borrowers into higher-cost loans.
FDIC OIG: Challenges and FDIC Efforts Related to Predatory Lending, June, 2006
DEFINITION OF CHARACTERISTIC