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qg1
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I do not think so.

When you are about to submit the application, if the IT Tool lets you submit your side without waiting for the recommender, it should mean that your recommender has the flexibility to submit their letters later.

However, in my opinion, the CRM Systems of these schools are primitive. Check their sites or try to play with the CRM.
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Do Letter of Recommendation need to be completed before I can submit the rest of the application and pay? Or are they separate?
Specifically at Wharton, Kellogg, Michigan.

LORs can be submitted by your recommenders after you submit your application, but before the deadline, unless the school says otherwise.