tstrait,
Having different scales for different types of loans sounds like a bad idea to me. Keep in mind that steering is also part of the MLO Compensation changes that went into place. I can easily see where this could be viewed as setting your lenders up for steering customers. I know I sure would hate to have to prove to a regulator that each time a customer choose the type of loan that gave the MLO more compensation that it was in the best interest of the customer.
kstephenson,
To my knowledge there is not a requirement to have this as a separate policy.