Mortgage Loan Estimate

[Troy Bailey]

So I have used up my golden credit union loans and now its back to the wild wild west of brokers & banks. I completed 5 loans applications and I have not been able to get any of the lenders to send an official loan estimate as described by the CFPD https://www.consumerfinance.gov/about-us/blog/know-before-you-owe-loan-estimate/. I have gotten emails with numbers and when I push back for an estimate I get a closing spreadsheet. Is there a reason why lenders will not provide the official loan estimate? Should this be a red flag or is this par for the course. I have been spoiled dealing with the credit union who was very transparent and now  I remember how much I hate getting financing. Since I'm under contract I'm just going to have to go with my gut but I though these regulations were put in place to make this process much easier and transparent for the borrower.