Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional adjustable mortgage (ARM) Credit decision / Underwriting Virginia

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 - % but told that it was coming out to be - %. 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.