If we have an online form that is completed to submit an application, and the customer submitted it, however, due to something that was input into the application, it caused a technical glitch in the system, and therefore it did not come into our queue at the bank. We discovered the application a few days later, and then proceeded to complete the loan estimate and send out all disclosures. Disclosures were sent within 3 days after we saw the application, but it was after 3 days that the customer "thought" it was submitted. Any thoughts on whether this would be a timing violation?
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