North American Savings Bank Refused to honor promise to pay $995 in lender's credit toward closing costs Overland Park, Missouri

I contacted North American Savings Bank (NASB) to refinance my mortgage. When negotiating whether to use NASB and lock in a refi interest rate with NASB, I was told that I would receive a credit from NASB of $995 off of its lender fees, and that I could float down to a lower rate if one became available before the refinance closed. I accepted this offer, locked the rate, and paid the credit check and appraisal fee. I was not told that if I accepted a float down to a lower rate,

I would lose the $995 lender's credit. When the opportunity arose to float down to a lower rate, I was then told that I would lose the $995 lender credit. At that point, however, I had already paid the appraisal fee (approximately $385) and the credit report fee. If I had known that I would lose the lender's credit if I floated down, I would have been able to compare NASB's loan product more accurately to that other banks' loan products. NASB was completely unwilling to acknowledge its misrepresentation to me and offer me even a partial credit. I feel that its offer was misleading.