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I really don't understand the question. Most lenders operate on a "best efforts" basis.

You [in this case Amerisave] have two options when entering into an agreement (or commitment) to sell whole loans to Fannie Mae for cash. You can enter into a mandatory commitment or a best efforts commitment.
When you enter into a mandatory commitment with Fannie Mae, you agree to deliver a specified dollar amount of loans, within certain tolerances, to Fannie Mae by a specified future date. Fannie Mae agrees to purchase those loans from you at an agreed upon price. With a mandatory commitment, if you are unable to meet the terms of the agreement, you may have to pay Fannie Mae a fee, called a pair-off fee. We’ll explain more about this in Chapter 4. When you enter into a best efforts commitment with Fannie Mae, you agree to deliver a specific loan to Fannie Mae by a specified date if the loan closes. If the loan does not close, you do not have to pay a fee. However, if you fail to deliver a closed loan, you pay a failed delivery fee. The advantages of mandatory and best efforts commitments are discussed at greater length in Chapter 3.

Are you thinking, due to high demand during a refinance boom, that Amerisave ran out of capacity on their wholesale line of credit?
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