A data point for other Tesla buyers: After doing a bunch of paperwork, I recently discovered that "Credit Union of Texas" (formerly "Dallas Teachers Credit Union") policies do not allow them to execute the last few steps of financing a Tesla. There is some sort of impasse regarding the "Manufacturers Certificate of Origin". They must have a physical copy prior to releasing funds. Tesla cannot release the physical copy without creating a risk of non-payment. No other bank requires the physical copy. Tesla sent the CU a letter of intent, which seem to work for everyone else. Tesla called them directly, more than once. Blah bla blah blah. Again, this is so other will know not to waste their time with CU of Texas. CU of TX did kindly offer to allow me to pay cash for the car, and then to fund the note at 'new car' terms when I brought in a Title.