Lender said fee was too high so h locked in a week later?
My guess is the loan officer screwed up and didn’t get her rate locked in.
I have been extremely careful as rates shot up not to do the same thing myself.
Ask if if she received initial disclosures such as a Truth in Lending (TIL) document (1 or 2 pages). The TIL lists the actual interest rate and the APR.
Also see if she received a Good Faith Estimate.
If those documents went out to her; she could force the issue and get her rate.
That’s assuming however my guess on getting the rate locked was the issue; and not some other issue was involved.