Does anyone know if "lender credits" can be deducted as points on a mortgage closing?

[javahounds]

Trying to determine if we paid anything considered points on a refinance.

[LindaS5247]

Lender credits are not the same as points and they are not deductible.

Lender credits and points (also called discount points) are not the same and work in opposite ways. Lender credits allow you to pay less upfront in exchange for a higher interest rate, while points allow you to pay more upfront to lower your interest rate.

Lender credits are essentially a way for a mortgage lender to help you cover some or all of your closing costs, in exchange for a slightly higher interest rate on your loan. They're a tool offered by lenders to help borrowers offset the upfront costs of buying a home, particularly closing costs.