There are two different rates that come with a mortgage loan: the interest rate and the APR, or Annual Percentage Rate. The interest rate simply reflects the cost you pay to borrow the money from your lender. The APR, on the other hand, includes additional fees and charges directly associated with the loan.
Your points, broker fees, and other charges are factored into the APR, giving you a more comprehensive view of what your mortgage costs you across a year. When applying for mortgage quotes, you'll notice that APRs are typically higher than your offered interest rates.