Initial LE rate was not locked and reflected " all other estimate closing costs expire on 5/28/24"- LE was signed 5/31 -
Rate was locked one month after the initial LE and a revised LE was issued-
The only change on the revised LE was the "naming" of a fee-
Initial LE showed the fee as Loan origination fee- Revised LE shows the same dollar amount, but the fee name was changed to Mortgage broker fee.
The fee is on the final CD- Mortgage broker fee, same dollar amount.

Is this a violation due to the name change of the fee? QC cited as a violation requiring a cure.

Assessing a mortgage broker fee has nothing to do with a rate lock and how can you get an application from a broker and not know where it came from and the required fee agreement? Sounds more like a naming issue, but you cannot add or substitute fees without a valid changed circumstance.

Got it, thank you!