Lender has a personal discrepancy with the borrower. Lender decides at last minute they aren t comfortable with the property. Lender wants property repaired or cleaned prior to close. Lender raises rates, points, or costs. Borrower does not qualify because of late addition of information.
Lender requires at last minute, a re-appraisal.
The borrower does not like the fine print in the loan documents that is received three days before close. Lender misplaces a file. The lender does not simultaneously ask for information from the buyer, they ask for it in bits and pieces. Lender pulls a bait and switch on the Buyer. Lender did not remove underwriting conditions in a timely manner.