Answer:
If the borrower rejected the original lender's offer and requested that the loan originator go through a different lender, that would, in my opinion, be a borrower requested change which would be a qualified changed circumstance.
New GFE if Change Lender/Same Originator?
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Question:
Our loan originator submitted an application for a consumer to one lender which was approved. However, the consumer decided not to accept that loan but, working with the same loan originator, sought a loan with a different lender. Is this a completely new application with a new GFE?
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