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Closing Date 가 7/24 이다 보니 다른 lender 를 통해 더 좋은 rate 을 받는게 어려울것 같습니다ㅠ

A WRITTEN “rate lock” agreement is not required in (by) Truth In Lending Act and Regulation Z.

대출 금리 법 (Truth In Lending Act) 및 규정 Z 에는 서면으로 된 "rate lock"계약서를 요구하지 않습니다.

Regulation Z
§ 1026.37(a)(13)
(13) Rate lock.
TILA-RESPA Integrated Disclosure (TRID) Rule in October 2015, with the NEW DISCLOSURES.

The Preamble refers to the “rate lock” agreement between the lender (the creditor) and the consumer (the borrower) is as an "executed" agreement.
Generally speaking a document such as a contract should be in writing to be executed or enforceable. You may certainly choose to honor a verbal agreement even though it is not in writing.

Not all mortgage lenders require rate lock agreements to be in writing with signatures.
Some lenders take rate locks by phone and either mail or electronically deliver the rate lock agreement to the borrower.

일부 대출 기관은 rate lock 을 전화로 요청을 허용하고 차용자에게 그계약(the rate lock agreement)을 우편으로 보내거나 이메일 으로 제공합니다.
Some lenders have preprinted forms that set out the exact terms of the lock-in agreement. Others may only make an oral lock-in promise on the telephone or at the time of application.

일반적으로 계약과 같은 문서는 실행 또는 집행을 위해 서면으로 작성되어야합니다. 그리고 서면이 아니더라도 구두 계약을 존중할 수 있습니다.

‘ rate lock agreement 를 서명하지 않았더라도 모기지회사가 lock을 했으면 (with "rate lock" 을 전화로 요청을 허용함으로써)
lock이 성립되어 다시 rate를 받지 못하는게 맞는 것인지’ ---> 맞읍니다.

Your lender may be willing to split the difference with you between the new, lower rate, and the higher rate you have locked.
협상을 해보는건 어떨까요?