If the delay's unreasonable, there's nothing to stop you contacting your bank to say you aren't happy, and asking for extra compensation for distress and inconvenience. (moneysavingexpert.com)
They also have a longer school day and year, for which teachers receive extra compensation. (essentiallearningproducts.com)
The most likely reason for this difference in price is that brokers and loan officers are often allowed to keep all or some of this difference as extra compensation. (consumerbadcreditguide.com)