You could allege it all day, but without proof they couldn't close, it seems that you'd be stuck.  

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The result was I provided all of the evidence collected over several years and Bank of America was allowed to respond with, "we don't find anything to substantiate his allegations".

Code of Laws.I am not familiar with the scenarios you speak of personally, but if there is conduct in any of these transactions by a real estate licensee that would potentially fall under “grounds for denial or disciplinary action” under the South Carolina 40-57-145, then complaints should be filed for investigation alleging the specific conduct that one believes to be in violation of the practice act.SECTION 40-57-145.

The bottom line is that the Checkbox Monkeys don't just go by some alleged Fannie Mae standard.

If the OP has everything documented and can provide evidence of her allegations, certainly the "wholesaler" that put it under contract will have the opportunity to defend their actions and the state can choose to pursue or ignore the case. p.s.

It sounds like you are unsure about the obligations and rights of the contracted parties and therefore you're susceptible to the whims of the alleged purchaser. 

They never responded to whether the alleged violation was an error but instead I got notice my application was denied.

The document could also be shown to a squatter or tenant (my loans do not allow owner occupancy) to prove to them that they should start paying you (the lender) rather than the alleged landlord.

If it is some type of fraud allegation onto the originators or other agents responsible for the closing and funding of the loan he may be pursuing or investigating an alternative litigation strategy which he should explain to you for your agreement to pursue.