I think the real deal for them is that they are trying to do everything within 3 days of the applicant's information being submitted. The Loan Officers do not want to bother with disclosures if the applicant won't lock in the rate. As such, they want to call these "credit application incomplete", send an AAN & close the file. And I am saying that even without a Rate Lock, they have enough information to analyze & make a credit decision. I just do not see how a rate lock has anything to do with this, other than some sort of guarantee (for want of a better word) that the applicant won't go shopping around any more. Once they have that, then they are ok with sending disclosures.