I submit equity line applications through a branch in Wells Fargo. During the underwriter 's review, I was asked to prove that I have XXXX in liquid assets. I had explained to them that I have equity lines with another bank and can easily pull XXXX in cash, but they insist that I need that amount in cash. So they declined my applications. And I talked with another branch of Wells Fargo, I was told that I should be able to do withdrawing the applications, but the banker I worked with told me no. 
1. Requesting XXXX in cash for an equity line applications is unreasonable. If I had worked with another bank for an equity line application, they never had that kind of unreasonable request. If I had that amount in cash, why I would need the equity lines for? 
2. XXXX is not a small amount. If that could be a requirement for an approval, I need to be notified by that before I started the applications. Otherwise, I would have applied for something which is guaranteed not to be approved. 
3. I told the banker that I would not start the applications at all if I were told that I need XXXX in cash before they declined my applications. Why they declined my applications without asking me if I wanted to withdraw them? 
