system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5 Why does it take a few hours to finance a $100k auto loan, but 30+ days to finance a $100k mortgage?
gpt
The people selling the car and the people making the loan have already worked out much of the deal before you even walk into the dealership.  The lender knows the value of the car and exactly what condition it's in.

Should you stop paying, they can legally repossess the car pretty quickly - or report it stolen if you take off.

In a home sale, the bank is a third party that knows nothing about the property and will get stuck in a lengthy foreclosure/eviction process if you stop paying.

It doesn't take 30 days to clear the loan, but it does take longer while they appraise the property and investigate your credit worthiness.  It's a much greater risk for the lender even though the face value is the same.