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The BMWFS app just forwards your info to the dealer. In my experience, if the dealer already has your info from a previous app, it does not trigger an approval email from BMWFS. The approval email from BMWFS does not include the rate, but that doesn't matter. At the end of the day, you have to be willing to walk away from deals when dealers do stupid shit like this.
EDIT: to clarify what I did...
1. applied via BMWFS
2. Dealer verified and placed order for car
3. After many production delays, I called BMWFS to get updated rate lock. They said call dealer.
4. I emailed dealer saying I wanted rate in writing, with lock. They pushed back, saying it was already approved.
5. I told them great, so sending me an email with the rate and term shouldn't be an issue.
6. Fini manager sent me email with .9 and term with December expiry two minutes later.
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