This is rather curious. Being someone that has been one of the ones that actually needed a loan at one time, my process other than it being nerve racking, since my credit score was below what they would have liked it at, was relatively simple and I had no experience nearly as detailed and crazy as yours. They simply needed my employment status, wages and such and verification of that from pay stubs and that was that. That is a really weird situation, I wonder why that particular bank was scrutinizing you so closely. In any case your experience, I don't think, is the norm.