Current interest rates and broker fee question.

[David Lewis]

Good afternoon Biggerpockets community,

I have a question about my final disclosure on a loan the signed. I purchased a property for $87,000, this is my third investment property. Under my origination charges I have a fee for processing, underwriting and a broker fee. this is the first time I have been charged a broker fee. It came out to 2% or just under $2000. I asked my loan officer about the charges and she said it was to get a lower rate, which I thought would be points. I still have the processing and underwriting fees which add up to $1500. My interest rate is a 4.875% which seems extremely high. I am just curious if this is a very abnormal looking loan. My credit score is in the very high 700s and my debt to income ratio I believe Is solid. I am just starting out and can use some advice. 
Thank you.