If a broker pulls a credit report and presents a commercial or ranch loan package to a bank to see if they would be interested......and the bank is not......is an AAN from the bank required?????

Yes. That is why you don't look at packages presented by brokers in which you have a signed agreement.

What if there is no agreement with any broker. This is just a commercial loan or ranch loan where the broker knows the bank has done similar in the past. They just send an app and package our way to see if we are interested.