It's nearly impossible to teach old dogs new tricks.
Maybe you need to redefine the application process. Just because someone is a repeat customer doesn't mean you go dig up their SS# or estimated income.
This kind of situation is really hard because all you can do is document that you've told everyone (read that as Board) that this is wrong and dangerous and could result in corrective actions by examiners.
It won't protect you much when the brown stuff hits the oscillating unit but it's the best you can do.
That and take solace in the fact that at least they appear to be getting the application and disclosures in proper timing order even if the application date isn't really what it says it is.