C&T Mortgage

I used Lending Tree.com to find a mortgage rate/lender for a home I was wanting to purchase. Desire, was very responsive and eager to get my business. Everything went very well at the beginning. But as it got time to close things went bad. She emailed me a quote to drop my interest rate just before time to send the loan package to the Title Company. I accepted the lower rate and the origination fee to float down the loan, 2 hours after she sent the email. She then emailed back and said the offer was not valid as the banks raised their rates. I called to discuss and to ask her to honor her written offer. Desire said there was no way she could change the rate or convince the bank to change it. After listening and asking clarifying questions for ~20 minutes,it became obvious to me that she was being dishonest. My Realtor called her to advise we were going to get a new banker and Desire honored the original offer. (I thought there was no way she could change it) Then, when i did the Truth In Lending form's APR calculations to check her math, it did not add up. I asked Desire for a breakdown of the fees that went into the APR calculations and she said she could not give them to me as it was a computer program and she just imputed the numbers. I then asked for the financial inputs that she used in the computer system and she would not provide them. (APR is calculated from the interest rate plus the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the credit.) I finally dropped the issue as it was obvious she was not going to disclose the information.