Oh yes with two different lenders and they originated close together is tricky. Some systems can track loans by other lenders but I don't think all systems have that capacity. If the second lender didn't know about the first loan that would be an issue if both are primary residences.
they'd have seen both the initial inquiry and the new account on the pre-closing soft pull, so I can't see how they'd be completely unaware. it's an interesting exercise to figure out how this could have made it through without seeing the full details of the applications
Yes there would be a credit inquiry for the loans on the credit report. The first loan inquiry would be on the second loan credit report or the pull right before closing. Interesting would need to see both files and applications.