Let me get this straight, banking industry...

YOU played fast and loose with all these processes and the regulations concerning them for years leading to a near collapse of the economy, but  I ask for a fully collateralized loan in which YOU are the institution that holds the collateral funds, and three months into the process you suddenly not only want me to account for a check identical in source and size to a check automatically deposited into the same account (ALSO with your institution,) every month on the same day of the month for the last 32 months --  

you want a signed letter explaining a Christmas 
Gift Check for One Hundred Dollars?