Was the deviation in their own costs or in vendor costs, such as title, closing and apparaisal fees?
I ask because there is no excuse for them not knowing and properly disclosing their own fees. Where I see the biggest problem with Good Faith Estimates by dot-com lenders is in quoting fees by other vendors, that have huge local variation, such as title, mortgage tax, closing fees. These vary wildly from market to market, and a lender may have never done a loan in that particular sub-market before, thus had no clue what the standard title fees and closing fees in that market are expected to be. They just place the order with a local title provider, or a national office who then places it with a local provider,and they get an invoice for whatever that local provider charged them.
