I think this is because many mortgage processes are still old timey and rely on manual interactions by telephone and e-mail. So if they are busy and overwhelmed

I think this is because many mortgage processes are still old timey and rely on manual interactions by telephone and e-mail. So if they are busy and overwhelmed, they can’t respond. Even when people try to dump new business on them. I refinanced in fall of 2020 and contacted a few companies off bankrate. Some send spam automailers, but better.com had a quick first contact and everything else was automated and quick. The estimates were autogenerated so no waiting on a loan officer to create spreadsheets and fill informs. And all the underwriting was tracked through a web site so no manual emailing or scanning or anything. It was a pretty efficient process and it was nice to not have to wait on humans. I did have to cal once or twice and they were very responsive.