My wife called today for the 140k offer and was approved instantly via phone.
I called shortly after and was told "10 days." Called a backdoor number for lending services and the man couldn't find the app via my SSI number. After quite a lot of research on his part, he was able to find it and see the rep used the wrong SSI number. He put a note on the account but said he cannot change anything or make a decision, and that I would have to call the "Premier lending services" line Monday morning.
I guess I need to verify with lending services that she put the right offer code on the application too. She transposed digits in my phone number, but I corrected it when she read it back to me. She read back my SSI number correctly, so I don't know how that got mixed up. Will post back after my call with lending services.