Well, I guess I'll answer my own question since I figured it out.
Contacting the CFPB helped on this. They had my mortgage sub's regulator flagged as HUD so the system wasn't accepting it when I put it through as FDIC (3). Once they changed it on their end it was a smooth submission.
Maybe you just wanna fly the plane yourself. Well good luck pressing take off, then auto pilot, then land.