I applied for a joint loan for my husband and I, and they replied days later, asking us to send additional info; my husband's SS number, driver's license, a utility bill, etc. Then, they took another few days to process the info before sending it to be processed. We waited over a week to be denied. They should run the info we give them first, decide if it's worthy of approving, and THEN tell us they need proof in order to continue. They wasted a week we could have been applying elsewhere.