It is time consuming, because of all the paperwork that is needed for the application process.I suspect all this will be over once the warm weather hits and spring is sprung into action, at least in my neck of the woods.

Treated as an S-Corp if applicable.

Mortgage rates are based on number of applications and demand.

Lenders are pricing themselves out of the market until their underwriters catch up, then lowering rates a ton until back at capacity, then jacking rates right back up once they've gulped in a bunch of refi applications. 

I began a refinance in October 2019 and have an email message from Omar Santoyo, a NMLS, on October 14 2019 that my application was complete.

I don't think you can access the calculators on the application.

Right now they’re in the application faze but I told her when she called that I want to rent to her.

I have been planning to have an open showing at a rental next week prior to accepting any applications, however, in light of all that is happening I am having second thoughts. 

Then as a batch of loans gets through underwriting, they (an individual lender) are surfacing, gobbling up applications and locks, and going right back down below.

Ask your management if they have a lease term that covers application of payments and add one if it doesn't.