It's 100% profit. They put your name, SS#, address, etc, into the computer in 5 mins, and the software spits out the paperwork; it's not like someone in a back room with a typewriter and carbon paper, filling out forms in triplicate. "Doc fee" in any setting is just at total ripoff.
I'm not talking about the finance manager. I'm talking about the back of the house people that process the paperwork with the banks and with the state...bookkeepers, title clerks, etc. Last place I worked had 6 full time people to process completed deals. There are posted notices that 'doc fees' are not state mandated.
btw, even employee purchases include the doc fee
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