I did assign a value in my loan application package to the banker.  

I can tell you as a NMLS licensed mortgage banker ( which I am ) . that if your caught giving a kick back you will lose your license and lively hood.I have been in the business for 42 years hundreds of millions in closed transactions and I have never been offered or received a kick back nor would I offer.Nice dinner ... bottle of wine  GREAT service yes .. but little kick backs that just screams of EAst coast every one wants a taste mentality.. it just does not happen with those that have good business ethics that all the folks I deal with have. 

Often times, the good ones will also introduce you to other folks in your community - bankers, lenders, investors, brokers, etc.

You know, one of those "banker's hours, 9-5'ers" who works Soooooo hard, and just gets gitty on Fridays, with the weekend ahead. 

Ex-banker/formerly Series 7-licensed here.

Nothing will happen to the banker, your score won't go up that 6 points again, you'll buy a house or whatever you're looking at and move on in life and forget about it in a few weeks.  

Realtors, loan officers, bankers, hard money lenders, other investors, contractors, appraisers, etc.Thinking about it I also would start to get a pulse on your local market.

Your bankers can work together on a deal that will elevate your rating after a refi.

you can thank the bankers and Clinton for the current worldwide economic crisis.

Bankers that were making completely ridiculous loans but did so because it was adding to their bottom line in the short run but cost the banks billions in the long run.