Mama Zappa, I wondered that myself. It could be for the reason you suggested. From what my loan officer said, it’s definitely part of WF’s corporate culture. And AFAIK she’s dealing primarily with home purchases as opposed to refis, where they have closing dates that routinely get missed because WF drops the ball so regularly you can set your watch by it.
I’ll ask her next time we speak how things are going and if she’s learned more about WHY this egregious behavior is so ingrained in WF’s operations. That last conversation we had was so hard; the frustration in her voice was heartbreaking. And I was in no position to advise her. All I could do was listen and assure her that we thought she was a great loan officer (and she is).