With almost every transaction I have had the lender is late, so an experienced agent will pad the closing date and keep an eye on the lender's progress. Hopefully there is no penalty. My rule is, always ask. If there are consequences, then you'll have to negotiate.
These this happen from time to time. Our recommendation is to request a letter from your lender explaining your circumstances and submit it with a letter from you requesting special consideration because of "circumstances beyond your control" to selling agency.
Although not one hundred percent effective, this method has worked previously.