I feel the problem is not with the loan officers, but with the "inside" approval process.
The loan officer may fit a client into appropriate loan amount, but the underwriter and processors could take too long. Also, clients often don't produce the documents in time allotted.
So, the responsibility stays with agents to monitor the process on both the clients' and the lender's side.
If we push everyone, we close on time. If we don't - we end up extending the closing or commitment date.
Hope this helps and best of luck,
Beachfront Realty, Inc.