Thank SunshineInCA, DoubleDelight, jjj7, MrsKwok,and 小八腊子's inputs to my post below:
http://bbs.wenxuecity.com/tzlc/391239.html
The good news is the lender was able to move fast and close in time.
It's amazing. The whole process is just 20 days.
Seems like many lenders increased their processing speed recently.