My biggest problem with the 3% cut is that they take 3% cut from a 30% loan and a 3% cut from a 7% loan (as far as I know). This makes low interest loans less attractive because when they collect 3% on a 7% loan it is 43% share of the total profit collected, and getting 4% instead of 7% (from a lenders point of view) can easily be a deal breaker where it's not worth it to bid, but say getting 27% instead of 30% wouldn't be nearly as bad. I feel that they shouldn't be taking 3% from loans with relatively small yields as is. It has to scale. May be starts at 1% and moves up the higher the interest. You just can't shouldn't take such huge chunks from low interest loans.