The practice of low-balling figures for settlement costs on the Good Faith Estimate to make them appear more attractive to mortgage shoppers. 

Bankapedia’s Take

This term is more of a joke than anything, but understand that a Good Faith Estimate is simply an estimate and if the lender is unscrupulous can change your rate, terms, your upfront costs, etc. Don’t be afraid to leave the closing table if you are not getting what was promised by your lender.

Many times a lender will simply use a low-ball Good Faith Estimate to ensure that you use their services over another lender. Always keep your options open.