The loan department is degrading. They keep saying their scrutiny is the process every where but that is a lie. Some of the info they ask is unnecessary and demeaning especially to upstanding citizens who never cheats the system. They want to know where you will live after you sell a house? Really? Why? For what? They scrutinize an IRA. Thats an investment. Like a savings account for my old age. If I max my contribution isnt that GOOD? User's recommendation: Stay away. You will get profiled.