I would say just go ahead and apply. You'll never know until you do.
The same thing pretty much happened to me. I applied to suny late august, my LOR's and OAT scores were not in. My LOR's were finished by the end of september (i think suny already received my application by then) and i took the OAT a week before my interview! (I received an interview invite before i took the OAT). Just do the best that you can and hopefully it will all work out!
By the way, it would be a good idea to submit right away. In the worst case that a recommender decides to disappear, you are still able to add and remove recommenders even after you submit.