1 cup dry (raw) pinto bean = 670 calories and 40 grams protein. You cook this 1 cup of dry beans and end up with about 2 1/2 cups cooked beans = 611 calories and 39 grams of protein. while it appears that the numbers have changed it is only minimal and is due to the amount of water absorbed.
The role of a mortgage underwriter is to make sure that the property appraises out and that all of property tax, title insurance, homeowners insurance, and closing documents are in order and in place.
The most important person in the mortgage approval process is the person you will never see or meet. That person is the underwriter. No lender funds or closes on a loan without the approval of an underwriter. Sometimes her job is to simply check over the figures, make sure all paperwork is in order and give her approval. Other times, she must look over all of the paperwork and make a sound decision based on her experience and good judgment.