Bottom profit margin is their interest. If your Loan Officer is a voice on the phone, and they do not have the time, or interest to attend the signing of the final documents, maybe you need to seek someone who does. If the person who quoted you the fees want to be present when you receive the final fees, you can be sure they are quoting you accurate information. Other closing costs are not guaranteed, and many are not disclosed at all.
Fees are also miss-quoted for our area.
A whole other set of rules may apply for lower loans amounts, or less down payment. That low rate being quoted may only be available by paying this extra fee. The 15 day loan seems to always turn into the 30 to 45 day nightmare. Ask your Title Company if they have ever seen 15 day close transactions. Ask them if the clients were happy.