This summer, while you were watching "Forrest Gump" and "True Lies," the mortgage lending world was experiencing the premiere of a different type of potential blockbuster. The emerging issue is overages -- higher mortgage loan prices charged to some, but not all, borrowers by eager loan officers seeking extra profits for themselves and their companies.

This practice, which is anywhere from fairly common to uncommon depending on whom you talk to, is often utilized by mortgage lenders as an incentive to loan officers as part of the commission system. The overage typically reflects the upper limit of the loan officer's ability to adjust the pricing terms within a certain range.

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