Is There Something I'm Just Not Getting?

[Brian Wilson]

Afternoon BP!

Bottom line up front: 

I reached out to a local bank, sent an email inquiring about loan services for REI. Loan officer responded saying that they didn't feel it would be a good fit, and that this is not how they form one on one relationships. The rest in detail is below.

Fairly new at all of this, and recently reach out to a bank in my local area to inquire about their loan products for REI.

Sent them a contact us form through their website and received a voicemail 2 days later from a loan officer. She stated that she sent me an email yesterday and decided that she would call today since she had not heard back. I never got said email, and honestly got more of a feeling that she never even sent one at all. 

However, after looking her name up on the banks website I reached out to her via her company email with the subject referencing the voicemail. In the email I thanked her for calling me back the other day after she hadn't heard from me and I appreciated this level of customer service. I then went on to tell her what we were looking for, and wanted to see what they as a lender offered for these types of projects. I asked what they typically looked for when lending and what parameters they typically operate on (70% LTV/ARV, etc.).

I also stated that we were looking to form a long term relationship with a local bank that is a good fit for our business. 

I received the following email from her today:
"We do quite a bit of real estate lending. However we require the whole relationship with our customers. I appreciate you looking into what we can do however I don’t think that this would be a good fit for how we develop one on one relationships."

I want to respond, because I don't like the sound of that. However, I feel as though she has this perspective because I didn't call her and wanted to get an initial inquiry of the information (what programs they have) so I can discuss with my business partners, prior to setting up any meetings or further discussions. 

Have you ever run into any issues of this nature when looking at potential lenders? All advice, comments, speculation welcome.

Thanks!