Ron and Debbie,
Just like any profession, there are the bad and good, experienced and inexperienced.
Underwriting is predicable. We have submitted many files and already know what to expect concerning income and assets. If the property is a condo, we know what to look for on the questionnaire.
So this really reflects on the loan officer or mortgage broker. Too often, there is haste and pressure to submit and things are missed.
In my branch, we act more like junior underwriters before we submit a loan into underwriting. We even take it a step further and run Automated Underwriting decisions on many of our pre-qualifications.