Question about RESPA - 3 day loan estimate - is it for refinancing too?

Hi I’m working on a mortgage deal for a client and helping them secure a refinance for their property as his broker.

I submitted applications on his behalf to two lenders and my client signed the disclosures as well.

For one of these lenders, you can see a loan estimate on their website via a calculator BEFORE you apply.

Does that satisfy RESPA ? Or is the lender obligated to send a Loan Estimate after the application regardless ?

Another lender I submitted an application for two weeks ago also hasn’t sent me a loan estimate. They gave me an idea on pricing but I don’t know what their closing costs looks like. I just know they charge a processing fee of under 1000 bucks.

Is this weird ?

The Loan Estimate must be provided to consumers no later than three business days after they submit a loan application. The second form (Closing Disclosure) is designed to provide disclosures that will be helpful to consumers in understanding all of the costs of the transaction.

submitted by /u/limache
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source https://www.reddit.com/r/RealEstate/comments/k4e6ph/question_about_respa_3_day_loan_estimate_is_it/