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Which of these individuals is a customer? A; person comes in and talks to you about loan options but does not apply B; person comes

Which of these individuals is a customer?

A; person comes in and talks to you about loan options but does not apply

B; person comes in and applies for a mortgage

C; person comes in and applies for a mortgage but does not close

D; person comes in and applies for a mortgage, and the loan closes

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