Although a retail LO might not be willing to do it, someone in their direct-to-consumer/call-center channel might .....
Most call center 'retail' LO's have no price control. I can't speak for Wells but I know of 2 national banks that don't allow any movement for their call center "LO's". The rate and cost is what it is, there is no negotiation, there is no wiggle even to get a deal. These guys are designed to sell someone and move on, they don't typically get conditional approvals, they don't collect docs, they may or may not speak to the borrower after the initial "sell". The guys I know, even in mid 08 were closing 30-50 deals a month and carrying a 100 plus loan pipeline.
A true retail LO (non-call center) will have plenty of wiggle room on price, in my retail day I could do a loan for a true loss, actually losing money on it if it helped my month enough that it was worth it. You may take a loss on a big loan just to jump your tier and make more on the rest of your loans. We had pricing exceptions available to do the deal, Wells had (don't know if they do or not) a point bank that allowed them to originate a loan at a loss without the LO actually losing anything (if I did a loan at a loss I had to share in the loss). Either way, I'm currently finding that most retail, especially at larger lenders is inflated right now. They have all moved to huge lock terms (90 day mandatories, etc), plus inflated rates. They've got too much business, because of that I doubt you'll find a retail LO willing to take a loan at a loss to jump his tier, they've got more biz than they can handle right now already.