Geographical area and local custom usually dictate who pays for these fees. This is often negotiable. It is the Mortgage Brokers job to find you the best loan. They do not lend money themselves. A good broker will shop for a loan for you, explain all of your options, and can assist you through all the paperwork involved.
Mortgage Brokers are in the business of selling mortgages.
The interest rate that you get and the points you have to pay should be the same as if you went directly to the lender for the loan. This will not be the case if the broker receives a larger commission for their work and passes this cost on to you. The commission that the broker receives from the lender is negotiable. On a large loan it will be several thousand dollars. You should never hesitate to ask the broker what his commission would be.