I cannot comment on if they are speaking with the borrower. I assume they are, I know that with our disclosures comes a general checklist of items needed, and the consumer may have used that to send the items along.
It is our procedure to accept intent in writing, which is in their disclosure package. We don't generally accept intent verbally.
But the qualifying documents are in file, no written intent or signature on any initial disclosures.
To me the file is dead, no credit decision is made because intent wasn't received.