I'm generally opposed to large corporate banking. The best option I have found is our local CREDIT UNION. They do not have to abide by the same stringent government guidelines as a typical corporate bank, therefore they tend to be much more lenient.
We recently sold our previous home (Sept. 2014,) that had a mortgage with this credit union...paid that one off. Applied for the next one for this current home with them, even during a little turbulent situation of having a secure job abruptly ending (merger/discontinued business in my area,) and me scrambling to start up another business all at the same time I needed another home mortgage. They listened to us, agreed and wrote another note immediately and we couldn't be happier.
They keep the notes in-house too. I also have a business LOC with them, and the same women we dealt with 4 years ago are still calling me by my first name.
Try to find a local credit union....you'll be amazed at the difference.
BTW: My son (26 years old, not BAD credit, just NO credit,) just got a used commercial truck loan on his own from a local CU as well...with a dirt cheap interest rate.