Refinance loan application got declined. 
1. I have excellent credit. 
2. New payment is going to more than the current loan I have. 
3. Mentioned that my loan to income ratio was supposed to be less than or equal to XXXX % but told that it was coming out to be XXXX %. When asked for the basis and calculations, none are provided. 
4. Asked to bring {$7500.00} more to the table, in the lines of origination fee. When I said, i would not, the loan got declined. 
