Requesting the loan officer make a note to the file when there is a variation is an excellent practice. (That is the old examiner in me speaking.) As an examiner, if one GFE had a variance while most did not, I would chalk it up to an extenuating circumstance, and not write it up, as it was not a pattern/practice problem. If all GFEs are off, then there could be a concern. Again, FDIC used to use $100 as the "significant" amount.
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