norealityhere - I hope your sister's friend gets good news.
I was tossing and turning last night, unable to sleep, when it occurred to me - I paid for the bank to do their assessment and it was never done because this supervisor didn't want to "waste" my money. The loan I'm requesting is so low, I can't believe the assessment would be less. So I think my first line of fire will be to request that the assessment be done. If it's still no go, I'll consider going over this woman's head. She's being unreasonable.