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Yeah I'd like to know what bank it was too.
Now, one of the things I can tell you is this - if it's not your bank/branch and you went through a little known mortgage broker, I think it's normal.
If it's your main bank/branch with account managers that know you and it was declined, I'd start changing banks.
When choosing a mortgage broker, get references from the biggest RealEstate Agents in the area on who the does most of their mortgages.
The more business the mortgage broker does, the more clout she/he has with the banks (banks want to keep them happy and sending business).
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