I applied for a home loan refinancing on lendingtree.com. I accepted Nationwide based on their rate of 4.5%. They quoted me by phone a rate of approximately 4.4% (loan rates were dropping) and said they were locking the rate in. My credit was approved and I had paid $500 for an appraisal. A couple of weeks later after rates had increased they called and told me the loan had not be locked in (by a former employee). The told me I would have to make up the difference equally with them to get to a loan of 4.6%.
The closing was scheduled, then they cancelled citing issues with the title agency. Then they called back and said they could not offer the 4.6% rate. I would have to pay half a point more.

I have a 6.125% interest rate today. I could have saved $600 or more on my monthly payment. I had more than eight offers to select from. I have an excellent credit rating. I didn't have to submit anything but W-2's and insurance information for the loan to supposedly be approved.