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Considering changing to another lender... risks?

We're 21d out from closing on a house. 60d ago, we locked our rate for 90d with Bank A. Another lender we were talking to, Bank B, now tells us that he can give us a marginally better rate and better closing costs (saving ~$780/yr and $1k in closing costs). We're tempted to change horses mid-stream, but want to understand the risks involved. Specifically, I am concerned about the effect of applying now with another bank and its impacts on our credit score. I envision a nightmare scenario where we start working with Bank B, but it turns out they can't close on time, so we revert back to bank A but our credit scores took a ding from the application with Bank B, such that we no longer qualify for our mortgage with Bank A. Is this a likely scenario?

submitted by /u/DesignerPangolin
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source https://www.reddit.com/r/RealEstate/comments/1lefjvy/considering_changing_to_another_lender_risks/
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