Which of the following would NOT be considered a "changed circumstance"?

The situation where a mortgage loan originator misinterprets a borrower's income information would not qualify as a "changed circumstance." A changed circumstance typically involves external factors that affect the loan's terms, the borrower's eligibility, or the related property, leading to a legitimate need to adjust the loan estimate or other documents.

Misinterpretation of the borrower's income is an error on the part of the mortgage loan originator rather than a change in the borrower's situation or external conditions. This error could have been avoided through careful analysis or verification of the income details provided by the borrower.

In contrast, the other options describe instances that clearly reflect a change from the original situation or offer new information that impacts the loan process. Acts of God, war, and similar events fall into the category of unforeseen occurrences that can alter a borrower’s financial circumstances. The need for flood insurance signifies a regulatory or environmental factor that can affect the cost and requirements of a mortgage. Similarly, if a borrower lies about their current income, this information modifies the lender's understanding of the borrower's financial stability but does not stem from the lender's actions. Each of these would warrant a reassessment of the loan conditions, which is why they qualify as changed circumstances.