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If you make a few formal enquiries to lending institutions, they will all mark your credit file with that enquiry. when next going forfinance, the next lender will see whats been happening and their black box systems make assumptions say 3 to 4 lender enquiries 180 days, and a few other soso...

banks compete against each other and at extremes have very different ways of looking at things eg ANZ will do 70 % mx lvr for 3 units on one title, CBA and NAB will do 95 ( in theory) typically, for a portfolio builder on limited resources a big 4 comm lend isnt worth having due to...

I'd hazard a guess the issue revolves more around the 4 OOT than the condition of them per se Very few lenders will do 4OOT period at residential, let alone above 80 % lvr My guess is that bank B isnt one of the few ( eg CBA, RAMS, heretic ( on a good day) and a smattering of others)...