HMDA, many seasoned CO's have the question which usually turns out to be terms rather than products.
Example - Someone comes into the bank looking for a 10 year car loan for a used VW at 0.0% interest at 200% LTV. Some would argue that the bank does not make loans like that, and they would be correct - HOWEVER they make car loans, just not with those terms.
TR had the reason "That is not a statement of creditworthiness."
Integrity. With it, nothing else matters. Without it, nothing else matters.