When an application appears in the Pending section, it suggests that there are portions of the application that have not been completed. If you have received a complete application from one of the applicants, but other applications are still outstanding, the application will appear in the Pending section.
If an applicant and co-applicant attempted to apply together as one application package, and the co-applicant submitted a separate application in error, you may see duplicates in the submitted and pending application section. Check for submitted applications from all applicants, including co-applicants. Though an application package may show as pending, there may be a duplicate already submitted. We are working on a feature to consolidate applications in the future.