Depending on your loan amount, $300K+ the right pricing today for a No Cost 15yr refi is 2.25% and it should only take 2-3 weeks.
10YR ARMS are 2.50%
30YR Fixed 2.875%

Guidelines are in stone and there are generally no exceptions made for lower LTV’s or higher credit scores.

Approvals are via a computer program and are either approved or not approved.
There is no such thing as a stronger approval.
If assets are not needed, there is no reason to submit them.

If you have a clean situation, there is no reason for a refi to not go smoothly, unless you deal with the “flashy FinTech” 😉