Are you sure they locked in your rate? If so, for how long? If you have not gotten the disclosures that John has described below, they are in violation if they collected the money from you, so you have a few questions that need answering here. Have you provided them with the necessary information to process your mortgage application? Have you spoken to the loan officer to ask where the disclosures are? You should definitely get more information from them about costs, although the GFE can have some inflated numbers on it, the important thing is the rate, and the costs that are listed in section A, as well as the cost of the appraisal and any other minor bank fees that are often not listed in A, such as tax service, flood certificate, and credit report. We include those in our box A, but many lenders don't. What is now called the origination charge is what used to be application, underwriting, commitment, doc prep, all sorts of bank fees that used to be itemized differently.
The $450 includes the cost of a Credit Check.
Everyone will have some pre-charges; maybe as little as $50.
They may be guilty of not communicating well with you; but you didn't ask the right questions.
Federal Law is pretty strict on them; but you have to be the watchdog, no one will do it for you.
Yes, they MUST give you a GFE.
You may want to get 1 or 2 more; it will probably be worth it.
We, on Trulia, can probably help with referrals or figures (There are a lot of Mortgage people on Trulia).
Good luck and may God bless