Do folks include loan servicing fees when calculating yield?

[Ray Trounday]

I wanted to check with folks to understand whether folks include monthly service fees when calculating yield on the note.  One option is to deduct the fees from the monthly payment you receive from the borrower.  The followup question is do folks also deduct tax and insurance when arriving at yield

[Bob Malecki]

I usually take out at least $15/mo. for servicing from the P&I payment when doing my calculation. T&I is not deducted.