How silly is it that a retired electronics engineer showing under $100k a year in income from SS and pension can't qualify for a loan of $500k even though he/she has $1M or more sitting in stocks, bonds, IRA, etc.

If you are applying for a job that requires you to be bonded or have a security clearance, you may not be offered a position with no credit history, even if you are otherwise qualified.  

Get a Bond and insurance, etc.4.

Also there are regulations that allow people or entities to self-service up to XX number of loans at a time or within a year, after that level is reached they must get licensed, bonded, etc.To prove its reason for existence, the CFPB is looking for examples to pounce on - and for what?

Cut your teeth, and then bite off bigger chunks...Final thought - someone once told me - the banks know more than you do.

Additionally, the tenant can appeal and while the are required to post a bond in the amount of the judgment may will file a Pauper's affidavit which states that they cannot afford to do so and extend the process by a few weeks.

The borrower obtains the loan based on good credit or on some type of collateral (stocks, bonds, personal property) other than the real property.

They don't have to wake up every morning and look themselves in the face while brushing their teeth and know that as a direct result of their actions an elderly person is homeless, but you would. 

@Noah P Bonds yeah that's a long time too.

But, if it makes you feel good to talk like the villain from a Bond movie, carry on brutha!