Consider NextCard's application form. It's short, and the
company promises that it will decide within 30 seconds whether
to give you a card. Almost anywhere you apply online for a
credit card or an instant line of credit, you can expect to
get an answer within five minutes.
Mortgages are more complicated. When you apply online for
a mortgage, you still have to complete a pile of paperwork
that arrives in the mail a few days after you fill out the
online application. While online mortgages are avaliable,
most people only use them for comparison shopping.