Brokering A Loan

I just had an interesting issue come up on a loan.  Just wondering if any of you have had a similar experience. This is an FHA loan that I brokered and it was declined by the lender due to property issues.  Another lender looked at it and they accepted the property with additional work requirements.  We ordered closing documents and the closer said they couldn't do the loan because the appraisal had been paid for prior to the expiration of the time limits on their disclosures (the four day rule).  This loan had been originated 45 days prior to submission to them and their disclosures going out.  I hadn't collected the appraisal fee from the borrower and paid it out of my own funds and because I could prove that they moved ahead with closing.  But they are telling me that they wouldn't have if the borrower had paid for it even though it had been transferred and been disclosed by the other company.  I see this as a huge detriment to brokering.  I don't know what stance other lenders are taking.